LATEST DIGITAL BANKING UPDATES
April 20, 2023: Digital Banking Release – New Features, Enhancements, Bug Fixes
- Mobile Check Deposit Enhancements
- Improvements to first attempt check capture success rate.
- Check capture process automatically takes picture of your check when your phone camera brings the check image into focus.
- Other various performance improvements.
- Credit Card Details
- Card details enhanced to include credit limit, minimum amount due, rewards available, and more.
- Card details enhanced to include credit limit, minimum amount due, rewards available, and more.
- Quiet Time Settings
- Alert quiet time duration setting now available.
- Alert quiet time duration setting now available.
- New Alerts
- Deposit is received or when a transaction exceeds a specified amount.
- ACH Return or NOC (Notification of Change) update has been automatically made for a recipient or prenote.
- Other security alerts and notification enhancements.
- Bug Fixes
- Various bug fixes.
- Various bug fixes.
February 16, 2023: Digital Banking Release – New Check Deposit Image Features
- Deposit slips and deposited check images are now available from the account transaction view, including branch, ATM, and mobile deposit images1
- Deposit slips and deposited checks can be downloaded to a PDF for easy saving and printing
- Learn more about viewing your check deposit images by visiting our interactive tutorials:
Personal Transaction Download:
Business Transaction Download:
(1) Images for deposits made at a local branch are dependent on branch’s ability to scan deposit slips and associated checks
December 7, 2022: Digital Banking Release
Digital Banking Global Updates
- New Username and Password widgets assist you in meeting the security requirements with real-time, visual indicators when updating sign-in credentials.
- Enable Biometrics button will remain on sign-in screen, making it easier to enable up to three Digital Banking profiles when signing in with the mobile app.
- Phone Call added as a third alternative for delivery of One-Time Passcodes (OTP). You can receive a call with a verbal message containing the OTP.
- View your full account number by temporarily unmasking it via a security OTP process. Account masking will revert automatically to minimize security risks of account number exposure.
- You can now select to include daily balances in your account transactions export.
- New ACH Credit and Debit filters available when performing advanced transaction searches. Transaction amounts also now sort by dollar value where debits and credits are sorted separately.
Business Digital Banking Updates
- Users with approval entitlements for ACH payments can now see recurring payment details from the Approvals page providing a quicker approval process.
- A revised ACH payment return process will invalidate the recipient, cancel future payments, and generate an alert notifying you of the canceled payment.
Latest IOS/OS and Browser Support Requirements can be found here.
LEARN TO USE THE FEATURES OF YOUR
DIGITAL BANKING EXPERIENCE
Step by step, easy to follow tutorials are available for Personal and Business Digital Banking users. Interactive tutorials walk you through the Browser and Mobile application. Use these resources to learn about the features your digital banking application has to offer.
To view all tutorials, go to https://digitalbankingtraining.calbanktrust.com.
DOWNLOAD THE DIGITAL BANKING APP
It’s available for devices running on a supported Apple® or Android Operating System (Apple iOS 13.0 or higher; Android OS 8.0 or higher). A device camera is required to download the app. If your mobile device is set to “Automatic Downloads,” your app will update automatically.
FREQUENTLY ASKED QUESTIONS
Signing In, Authentication & Security
If you experience any difficulties signing in, please contact Customer Care. We will happily assist you with the process to ensure that you are able to access your account.
Business Digital Banking users, please contact a Customer System Administrator (CSA) at your business for assistance.
Multi-Factor Authentication (MFA) is an electronic authentication method in which a user is granted access to a website or application only after successfully presenting two or more credentials. These can be a PIN, computer-generated code, biometric (fingerprint or facial recognition), or another method that can confirm a user’s identity. The Digital Banking experience uses several forms of MFA to help ensure your account is safe and help protect it from fraud.
A One-Time Passcode (OTP) is a security measure that sends a code through email or SMS text message to confirm a person’s identity. The code is a one-use, time-sensitive series of numbers entered as part of verification and is used to complete certain transactions. It differs from Enhanced Account Protection (EAP) because it doesn’t require you to remember a preselected PIN to enter along with the code.
Enhanced Account Protection (EAP) is a layer of security used to help safeguard certain types of Online Banking activity. For years it has been used to generate a code that, when entered with a customer’s PIN, allowed customers to exceed certain account limits. The Digital Banking experience will upgrade your security with the use of Step-Up Authentication for specified activities and transactions. The security features of Online and Mobile Banking will identify potential threats to your account and prompt the entry of an OTP in order to continue. Step-Up utilizing OTPs offer more comprehensive security than the EAP measures used previously.
The Mobile Banking app was designed with security in mind. Features like Multi-Factor Authentication and One-Time Passcodes help ensure only you are accessing your account. Additional biometric measures such as Touch ID® and Face ID® also are available if your device supports these security features.
Yes. You can change your username in the Digital Banking platform by navigating to your personal profile icon in the upper right corner and clicking on the dropdown menu. Select My Profile and then click on the Security tab. Select Update Username.
You will need to create a unique username that meets the following criteria:
- 6-30 characters
- No spaces
- No use of the following: ~`<>%:*!;"|/'
- Use only lowercase alphabetic characters
Do not use personally identifiable information (such as your taxpayer identification number (e.g., SSN, EIN and ITIN) or private financial information (such as your ATM Card number) for your username.
Note that once you have changed your username, you will sign in with exactly what you selected.
Mobile Banking App
Manage all your finances wherever you go. You can use Mobile Banking to complete any transaction that can be performed in Online Banking, including:
- Setting up, managing, and making one-time or recurring payments
- Adding or removing payees and Transfer Accounts
- Enabling online purchases using Visa® Click to Pay
- Transferring funds from one account to another
- Setting up, managing, or removing transfer accounts
- Making quick payments and transfers
- Sending wires (requires enrollment in Digital Wires Transfers)
- Managing and paying through eBills
- Depositing checks more easily using the friendlier interface
- Sending ACH Direct Deposit payments (Business Digital Banking only and requires enrollment in ACH Direct Deposit)
- Setting up, managing, or removing ACH Payees (Digital Banking only and requires enrollment in ACH Direct Deposit)
- Adding, managing, or deleting users (available only to Customer System Administrators in Business Digital Banking)
- Updating user entitlements and limits (available only to Customer System Administrators in Business Digital Banking)
Use Mobile Banking for any action that can be completed in Online Banking, including:
- Updating profile information
- Accessing eDocuments, eStatements, and tax forms
- Exporting transactions to CVS, PDF, or OFX files
- Sending and receiving Secure Messages
- Reordering checks
- Setting up and managing 40+ alert notifications via push, SMS, or email
- Managing Multi-Factor Authentication destinations
- Finding and getting directions to the nearest branch or ATM based on your location
D3 Mobile Banking Downloadable Application System Requirements:
- Device must be on a supported Apple® or Android Operating System
- Apple® devices require iOS 12.0 or higher
- Android devices require OS 8.0 or higher
- Device must have a camera
The Digital Experience
You will find a similar interface and functionality on any device. Our mobile app was upgraded to provide the full functionality of our website. Manage your finances anywhere with our seamless interface.
The Digital Banking site and mobile app offer an improved customer experience for everyone, including areas relevant to accessibility standards. The enterprise strives to provide digital accessibility to the broadest possible audience, regardless of technology or ability.
Navigation
When using a web browser:
Look to the upper right-hand corner of every page to see your username with a dropdown arrow next to it. Click on your name and then select My Profile to make changes in one convenient location.
This will bring you to the User Profile section of your Settings. Click the Change Contact Info button to modify or add email addresses and phone numbers, including enabling SMS on mobile phones (required for receiving notifications like Alerts). Click the Change Address tab to update physical and mailing addresses.
When using the mobile app:
Make sure you are on the Accounts Overview page, where you will see your profile icon in the upper right-hand corner. (This is the only screen of the mobile app where the icon appears.) Then select My Profile and tap Change Contact Info to edit.
On other screens in the mobile app, tap More > Settings > Profile > Change Contact Info button to add or edit email addresses, phone, and SMS numbers. Go to More > Settings > Change Address to change a physical or mailing address.
There are two ways to hide an account from view:
- Access your list of accounts on the Accounts page, then select the gear icon next to the account type title (example “Checking”). A Display toggle button will appear on the accounts listed. Toggle the button to “Remove” account(s) from view, then select the Done button and the account will be hidden. To return the account to view, select the gear icon, toggle the button to Display, and select Done.
- You also can remove account(s) from view, through My Preferences. Access this option by selecting your personal profile icon, My Preferences, selecting an account, then selecting the Use in Digital Banking toggle. Once hidden, that account will no longer display on the accounts page or in other services. Return the hidden account back to view by selecting the Use in Digital Banking toggle again.
*Business Digital Banking Users - A Customer System Administrator (CSA) can use custom entitlements to allow you access to fewer accounts. Only the accounts you have entitlements to will display.
Within Online Banking, Wires functionality was moved to the Transfers tab and can be found under both the Transfer Money and Transfer Accounts tabs. If you are not enrolled in the Wires service, you can go here to access the application form. Access the form to send or enroll in Wires if you don’t yet have access. Future functionality will include the ability to request Wires access electronically using DocuSign®.
In the mobile app, scroll to the bottom of the Transfer Money or Transfer Accounts page. Look for Quick Actions, where you will be able to make Wires requests.
This service has been discontinued and the request is no longer available in Digital Banking. However, you can transfer funds electronically on the Transfers tab, or visit a local branch or contact Customer Care for assistance.
Select the credit card account to arrive at the details page. Select “Manage Credit Card” to see available transactions for this card.
If you do not see the credit card on the Accounts page, it may be set to Not Display or is Hidden (see FAQs above).
Business Digital Banking users, you may not have sufficient entitlements to access the credit card account. A Customer System Administrator (CSA) at your business can update user entitlements, if needed.
When making a recurring transfer or wire transfer, you may see an optional ability to set a Balance Threshold for the transaction. If selected and an amount is filled in, then the recurring transfer will not be processed if it would drop the balance of the account below the balance threshold amount.
There are several things to keep in mind regarding changes to recipients (payees or transfer accounts):
- Bill Pay – through the web application, you can add, edit, or delete a Bill Pay payee. In the mobile app, you can make payments to existing payees and cancel scheduled payments. Business Digital Banking user must have sufficient entitlements to add, edit, or delete a Bill Pay payee.
- Wire Transfers – from the Transfers > Transfer Accounts section, several types of edits can be made to a recipient; however, a recipient Name cannot be changed (a Nickname can be changed), and a recipient type (Company or Person) cannot be changed.
- Instead, add a new Transfer Account with the new information, and delete the old Transfer Account if it is no longer needed.
- ACH Direct Deposit (Busines Digital Banking Only) – from the ACH Services > ACH Payees section, several types of edits can be made to a recipient; however, a recipient Name cannot be changed (a Nickname can be changed), and Primary Account Information cannot be changed. Certain Secondary Account Information can be changed (a secondary account can be added and an amount or percentage can be changed), but account type, account number, and routing number information cannot be changed.
- Instead, add a new ACH Payee with the new information and delete the old ACH Payee if it is no longer needed. Keep in mind that changes to an ACH Payee or adding a new ACH Payee will result in a new ACH Prenote waiting period before the recipient can be sent a payment.
When setting up a new Recipient for ACH Direct Deposit, at least three (3) business days must pass (prenote processing time) for any errors to be communicated to us by the Recipient’s Financial Institution. We will notify you of either a Notice of Change or a Return in your Alerts inbox, at which time you will need to make any corrections to begin using that Recipient. This may require setting up a new Recipient with the correct information and being subject to another prenote period.
Contact Us
General Customer Service: 800.400.6080
Hours Available: Monday through Friday, 7am - 7pm PT, and Saturday, 9am - 5pm PT
Online Banking Customer Service: 855.848.2798
Hours Available: Monday – Saturday 6 am – 7 pm PT
Visit a Branch: Use our branch locator to find a location near you
Hours Available: Monday – Friday 9 am – 5 pm PT
- Mobile banking requires enrollment in Digital Banking. Fees from your wireless provider may apply.
- Mobile Banking requires download of the smartphone version of the California Bank & Trust app from the Apple® App Store or Google Play®. Message and data rates from your wireless provider may apply. Requires enrollment in Online Banking. Please refer to the applicable Rate and Fee Schedule (Schedule of Fees or Service Charge Information). Subject to terms and conditions of the Digital Banking Service Agreement. Trademarks used are the property of their registered owner and California Bank & Trust is neither affiliated with nor endorses these companies or their products/services.
- U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes. Once payment is sent and recipient is enrolled, funds can arrive as quickly as minutes or may take up to three business days. See your Zelle® Payment Service Agreement for more details. Standard text and data rates from your mobile phone carrier may apply. Available services are subject to change without notice. Zelle® is intended for sending money to family, friends, and people you know and trust. It is recommended that you do not use Zelle® to send money to people you don't know. Neither California Bank & Trust/Zions Bancorporation, N.A. nor Zelle® offer a protection program for any authorized purchase made with Zelle®.
In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled in Zelle®.
Zelle and Zelle related marks are wholly owned by Early Warning Services, LLC. and are used herein under license.
