Relationship Based Banking

Bringing your business and personal banking together.

One-on-one guidance for your personal and business success

Take relationship-based banking to the next level with a holistic, all-in-one approach to exceeding your financial expectations.
You get a single point of contact for managing all aspects of
your banking needs, backed by a full team dedicated to your business goals.

BUSINESS BANKING

  • Treasury Management Bundle1 combines our most popular cash management services for $75 a month or less.*  
  • Business Lines of Credit,2 including special interest rate offer of prime minus 0.50% for the first 12 months on certain lines as low as $100,001. 

PERSONAL BANKING

  • A Home Equity Line of Credit (HELOC) introductory rate of 3.99% APR for the first six months. Thereafter, variable APRs from 4.00% to 10.525% apply.3  
  • Clients with existing City National Bank HELOCs who have drawn on the balance have the option to convert the adjustable-rate balance to a fixed-rate loan4 with a rate discount of 0.25%.
  • Premium checking with interest and generous
    ATM benefits.
  • Portfolio Secured Lending5 to create liquidity without divesting your investment portfolio.

CONTACT YOUR RELATIONSHIP MANAGER TODAY.

*Terms and conditions apply. Consult your Relationship Manager to help you determine if this offer is suitable for you.

Treasury Management solutions included in the bundle are: (a) Business Suite Basic with up to five (5) Analyzed Business accounts; (b) the Wire Module with Business Suite Basic (c) the ACH Module with Business Suite Basic; (d) Business Bill Pay with Business Suite Basic; and (e) E-Deposit Service. If purchased separately, the total monthly fees for modules could total up to $357.95 in the aggregate under our current rates. By choosing the bundle, clients receive these five (5) services at a combined and discounted standard monthly maintenance fee of $75 per month. Account analysis earnings credit, which is based on the funds on deposit in your analyzed accounts, may be available to cover some or all of the fee. 

All bundled services must be enrolled in at the same time to obtain the monthly bundle price. Clients are not required to use any particular bundled service. The bundle offer is only available for new enrollees (a client may not be currently enrolled in any of the bundled services in order to qualify for this offer). No product or service may be added to the bundle without additional fees. Clients may choose to discontinue the service bundle at any time; however, standard monthly maintenance fees for remaining individual treasury services will then apply. This Treasury Management Product Pricing Bundle is terminable by us at any time on 30 days prior written notice. 

The Basic Business Builder Line of Credit is available in amounts between $10,000 and $250,000. To receive the introductory rate offer, the Basic Business Builder Line of Credit must have a minimum line amount of at least $100,001. Introductory rate is a variable rate based on the CNB Prime interest rate, as it changes from time to time, minus 0.5% for the first twelve (12) months following the opening of the Basic Business Builder Line of Credit. Thereafter, the rate will be a variable rate based on the CNB Prime interest rate, as it changes from time to time, plus a margin assigned by CNB, with a minimum interest rate of 3.5%. Any rate discount for automatic payment from a CNB checking or savings account will not reduce the CNB Prime interest rate minus 0.5% variable rate during the 12-month introductory period or any time the 3.50% minimum interest rate applies. Basic Business Builder Line of Credit in amounts greater than $100,000 must be secured by a first priority security interest in business assets (other than real estate). The Basic Business Builder Line of Credit has no predetermined maturity date and is subject to cancellation at any time. See Terms of Offer for Business Lines of Credit below. management services provided by City National Rochdale, LLC, a U.S. Securities and Exchange Commission Registered Investment Adviser and wholly owned subsidiary of City National Bank. 

The Business Revolving Line of Credit is available in an amount between $250,001 and $1,000,000. Introductory rate is a variable rate based on the CNB Prime interest rate, as it changes from time to time, minus 0.5% for the first twelve (12) months following the opening of the Business Revolving Line of Credit. Thereafter, if renewed, the rate will be a variable rate based on the CNB Prime interest rate, as it changes from time to time, plus a margin assigned by CNB, with a minimum interest rate of 3.5%. Any rate discount for automatic payment from a CNB checking or savings account will not reduce the CNB Prime interest rate minus 0.5% variable rate during the 12-month introductory period or any time the 3.5% minimum interest rate applies. The Business Revolving Line of Credit must be secured by a first priority security interest in business assets (other than real estate). The Business Revolving Line of Credit has a term of one (1) year and may be renewed for additional one-year periods at CNB’s option. If the Business Revolving Line of Credit is not renewed by CNB at the end of any one-year term, a balloon payment of the entire outstanding balance will be due and payable. If the Business Revolving Line of Credit is renewed by CNB, the interest rate will be a variable rate based on the CNB Prime interest rate, as it changes from time to time, plus a margin assigned by CNB, with a minimum interest rate of 3.5%. See Terms of Offer for Business Lines of Credit below.

Terms of Offer for Business Lines of Credit: The business organization may apply for and receive the CNB Prime interest rate minus 0.5% introductory rate offer for either a Basic Business Builder Line of Credit with a minimum line amount of $100,001, or a Business Revolving Line of Credit. The Basic Business Builder Line of Credit and Business Revolving Line of Credit are subject to credit approval and documentation acceptable to CNB. These offers are not available to Small Business Administration guaranteed loans or lines of credit, asset-based, or similar lines of credit, or any renewals, extensions, modifications, or refinancing of any existing CNB loans or lines of credit. To be eligible for these offers, (i) a signed and dated loan application on CNB’s approved form, as well as financial and other information requested by CNB, must be received no later than October 31, 2019, and (ii) if a Basic Business Builder Line of Credit or Business Revolving Line of Credit is approved, then (a) loan closing must occur by December 31, 2019, and (b) all payments must be automatically deducted from a CNB business checking or savings account. Additional terms, conditions, and fees apply. Ask us for details.

Applications for a new Home Equity Line of Credit (“HELOC”) must be completed and received no later than October 31, 2019. The 3.99% introductory APR does not apply to the Flex Line of Credit product. HELOCs are subject to credit and property review and approval. Not all applicants will qualify. HELOCs must be secured by a first or second lien on  a 1–4 family residential dwelling. HELOCs are not available in all states. Additional terms and conditions apply. HELOCs have variable APRs subject to change daily without notice. The APR is based on the highest U.S. Prime interest rate, plus a margin. As of September 24th, the prime rate is at 5.00% and current variable APRs range from  4.000% to  10.525%. The minimum APR is 3.25%. The maximum APR is 15%. After the introductory rate period, you may be eligible for a 0.25 percentage point discount to your APR by making automatic payments from a City National checking or savings account. APRs and discounts are subject to change without notice. 

For HELOCs with a credit limit of $1,000,000 or less, closing costs vary and generally range from $0 to $12,000 ($25,500 in New York). Ask us for an estimate of closing costs for HELOCs with a credit limit greater than $1,000,000. An early closure fee of $500 may apply if your HELOC is closed within the first three years (not applicable in all states). Hazard insurance and flood insurance (if in a flood zone) are required. Additional fees: $65 annual maintenance fee (if the account is inactive); $400 processing fee if the property is vested in an LLC; $250 reappraisal fee (if necessary, after the account is opened); $438 reconveyance and recording fees (California only). 

Fixed-rate "loans within a line"  with a 0.25% interest rate discount are available from August 1, 2019 through October 31, 2019. The APR on the installment loan feature is based on an index (U.S. Treasury securities adjusted to a constant maturity of 1, 2, 3, 5, 7, or 10 years, depending on the term of installment loan), plus a margin. Rates may change daily. As of  August 1, 2019, the index ranged from  1.82% to 2.06%. APRs for installment loans range from  3.32% to  7.31%. The maximum APR is 15%. The minimum APR is 3.25%. Minimum installment loan amount is $10,000. Other terms and conditions apply.

Securities-based lending has special risks and is not suitable for everyone. If the market value of your pledged securities declines below required levels, you will be required to pay down your line of credit, pledge additional eligible securities, or City National Bank will require the sale of the amount of securities needed to satisfy pledge requirements. The sale of your pledged securities may cause you to suffer adverse tax consequences. You should discuss the tax implications of pledging securities as collateral with your tax advisor. City National and its subsidiaries are not tax or legal advisors. All securities and accounts are subject to eligibility requirements. Please read all loan documents and Securities Agreements carefully. This credit product is not to be used for purchasing securities.

As with any investment strategy, there is no guarantee that investment objectives will be met and investors may lose money. Diversification does not ensure a profit or protect against a loss in a declining market. All investing is subject to risk, including the possible loss of the money you invest. Past performance is no guarantee of future performance.

Brokerage services provided by City National Securities, Inc., member FINRA/SIPC, a wholly-owned subsidiary of City National Bank.