California Bank & Trust

Deposits held and insured by Zions Bank

Overview / Commentary
323-268-2831
11622 El Camino Real, Suite 200
San Diego, CA 92130
Deposits held and insured by Zions Bank
Reviews (1)

CB&T Azz Hats

From the title of my review you know where I stand so I will spare you the formalities. This bank holds every deposit, transfer, ACH, and any money transaction that is not payroll. Imagine on a massive scale of billions possibly trillions collecting intrest for a day. Massive free cash grab. Worse they are not open on weekends. So anything deposited, tranferred or moved in any way if done after 3pm on a Thursday is not available until Monday the next business day. Massive three day intrest grab. Free money.

Knowing that, do you think that they would see they have these monies being held in Zion limbo, they would hold anything hitting your accounts? If you believe that, you are as uninformed as I was when I opened this account.

Anything hitting the bank while you have money in Zion limbo will be promptly NSF and returned. You are charged as always for anything hitting that is not in your bank. My situation was this account was going to be my payroll deposit bank and bill pay. I'd move monies to and from other accounts paying bills.Then it happened. I received a check from my employer that was not normal payroll. It was larger. They froze my account. They allowed every bill pay to go unpaid and NSF everything incoming. They said the check was fraudulent and they wanted to discuss this with whomever wrote the check. I am employed by a real estate investment company. My boss is a billionaire. His check is not fraudulent. I had to contact him and he took time out of his busy day to discuss this with the closest location bank manager. The bank manager had to write a synopsis in his bank portal of his conversation and that he saw and was satisfied that my boss proved he wrote this check.

It gets better. All my NSF charges, all my dropped auto pays were explained away by the fact that I had frequent withdrawal activity that caused fraud alerts on my account. The activity was pulling cash from an atm at a casino. Its my money. They informed me a while back the DOJ/ Treasury Department enacted new guidelines for banks, that involve tracking, flow and behavioral activity in money expenditures of all bank clients. They stated I have placed more money in my account than I make. Therefore they are demanding a closure once my next cycle of autopays go through and they will close my account sending me a cashier check for the balnce in my account. They have also reported me as they're required by these new guidelines. I was told this today 12-7-23.

I have actually won a few jackpots in my immoral behavior at those moraly corrupt casinos, the devils playground. And I am now being punished by the Zionist Morality Board at CB&T! Soon to hear from our Uncle Sam. You know the hidden pedophile uncle in the corner.

Fedupshiznit!


P.S. there is not a minus rating because is rate. -5 stars



Health
B+

Data as of Q1 2025

Data displayed below is for insuring bank: Zions Bank
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Health Grade Components

Overall
FDIC Certificate #2270
Year Established1873
Employees9392
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.77%
Return on Equity - YTD10.92%
Annual Interest Income$1.03B
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$87.99B$87.06B
LoansQ1 2025vs Q1 2024$59.36B$57.42B
DepositsQ1 2025vs Q1 2024$76.01B$74.71B
Equity CapitalQ1 2025vs Q1 2024$6.33B$5.83B
Loan Loss AllowanceQ1 2025vs Q1 2024$697.4MM$699.3MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$307MM$239.4MM
Real Estate OwnedQ1 2025vs Q1 2024$2MM$6MM
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