Introducing AVB Flat Fee Checking -- Checking with the ease of one monthly fee

We're creating California's best banking relationships, offering you exceptional products, personal service and the resources of one of the state's major banks. With over $8 billion in assets, nearly 100 branch offices statewide and an emphasis on serving your unique needs, Antelope Valley Bank (AVB), as a Division of California Bank & Trust, provides not only a variety of checking and savings account options, but also a checking account unique to AVB customers: the Antelope Valley Bank Flat Fee Checking account. Speak to one of our Financial Services Representatives today to find out if AVB Flat Fee Checking is right for you.

Features:

• No minimum opening deposit
• $10 monthly maintenance fee
• No minimum balance requirement
• Unlimited checkwriting
• Free one-signature Travelers' Cheques
• Check Safekeeping (otherwise $2 check delivery fee per statement cycle)

Options:

• Check Safekeeping
  Never look for check again. Instead of being returned with your monthly statement, canceled checks are retained on microfiche for seven years. If you need check copies, up to three items per statement cycle are available from any branch free of charge with additional copies at $2 each.
  

• DirectNET Internet Banking
  Do your personal banking whenever and wherever you want, from a secure Internet connection. Conveniently transfer funds, check your balance and even pay your bills online. Additional fees may apply so ask for details.
  
  
• CBT Connect
  Call 1-800-400-6080 to reach CBT Connect, 24 hours a day, 7 days a week, for routine account inquiries. Personal assistance is available Monday through Friday, 7:00 a.m. to 6:00 p.m.; and Saturday, 9:00 a.m. to 5:00 p.m. (Pacific Time); Sundays and holidays are excluded.
  
  
• QuikCheck
  This enhanced ATM card displays the VISA^® symbol and Antelope Valley's own Joshua Tree. It provides traditional ATM access plus the ability to make purchases wherever VISA is accepted. The amount of your purchase is automatically deducted from your checking account and recorded on your monthly statement.
  
  
• Direct Deposit
  Have your paycheck, Social Security check or other recurring deposits electronically deposited into your checking account. Get your money faster, without worrying about lost, stolen or delayed checks.