California Bank & Trust (CB&T) is one of the leading banks in California with branch offices located throughout the state. It was formed in October 1998 as a result of merger of three institutions acquired separately by Zions Bancorporation. Started off as a group of individually owned banks throughout the state, California Bank & Trust operates as a subsidiary of Utah-based Zions Bancorporation. It serves a range of commercial, personal and business banking needs of its clients. The bank is a member of the STAR System, MasterCard, VISA/PLUSTM, AMEX and Discover ATM networks. It is also a member of the Federal Deposit Insurance Corporation and is an Equal Housing Lender.