California First National Bank is famous by another name, CalFirst.

CalFirst is one of the most sensational and competitive banking options that is facilitating investors to all edges. It centers on two main principles, which are; traditional banking values and modern financial services. Along with both of them, the bank is making its way smoother towards the financial scenarios.

Whether you are a resident who wants to get a reliable partner to meet your personal banking needs or you are a business owner who requires a trustworthy financial solution, CalFirst is available for your needs. To provide you with more supportive detail about its banking approach, here is a fact-based review article next.

Bank Overview

California First National Bank is one of the most trustworthy and reliable financial institutions. People all around the United States are getting benefits from its comprehensive range of banking services.

It is known to be operated primarily in California, and it serves both individual as well as business clients equally. The variety of products includes;

  • Checking and savings accounts
  • Personal and business loans
  • Credit facilities
  • Wealth management services

The bank is proudly popular because of its financial stability and solid financial performance. It maintains a strong capital and liquidity position that ensures a secure banking environment for all its available customers.

Moreover, CalFirst is also a well-defined institute due to its community involvement and commitment to supporting a wide range of local businesses and initiatives. It further reinforces its reputation as a bank.

California First National Bank Locations

CalFirst operates several branches in the United States but it primarily facilitates the people of California. The branch approaches for the bank include the following regions;

  1. Los Angeles Area
  2. San Francisco Bay Area
  3. San Diego Region
  4. Central Valley
  5. Sacramento Area

Checking Accounts

To provide even more authentication of the bank, the precise details about the checking accounts are stated in the section below;

  • Basic Checking Account
  • Features: Designed for everyday banking needs with a low minimum opening deposit.
  • Fees: Minimal monthly maintenance fee, which can be waived with a minimum daily balance.
  • Benefits: Unlimited check writing, free online banking, and a debit card.
  • Interest Checking Account
  • Features: Earns interest on balances with a higher minimum opening deposit.
  • Fees: Monthly service fee, waivable with a higher minimum balance compared to the Basic account.
  • Benefits: Interest accrual, free online banking, mobile banking, and a debit card.
  • Senior Checking Account
  • Features: Specifically tailored for customers aged 55 and older.
  • Fees: Low or no monthly maintenance fees.
  • Benefits: Free checks, higher interest rates than standard accounts, and standard online banking services.
  • Student Checking Account
  • Features: Designed for students with proof of enrollment.
  • Fees: No monthly service fee and no minimum balance requirement.
  • Benefits: Online banking, mobile banking, and a debit card. Often comes with financial education resources.
  • Premium Checking Account
  • Features: High-end checking accounts offering higher interest rates for higher balances.
  • Fees: Higher monthly fee, waivable with a substantial minimum balance.
  • Benefits: Premium rates, exclusive banking services, potentially including dedicated account management.

Savings Accounts

For further enhancement, saving accounts play the most credible role in the popularity perspective of the bank. The savings accounts are;

  • Regular Savings Account
  • Features: Standard savings account with a low minimum opening deposit.
  • Interest: Variable interest rate, compounded monthly.
  • Fees: Minimal monthly maintenance fee, waivable with a minimum balance.
  • High-Yield Savings Account
  • Features: Higher interest rates for larger deposits.
  • Interest: Higher variable rate compared to Regular Savings, compounded monthly.
  • Fees: Monthly fee, waivable with a higher minimum balance.
  • Money Market Account
  • Features: Combines the benefits of a savings account with check-writing privileges.
  • Interest: Typically higher than savings accounts, tiered interest rates based on balance.
  • Fees: Monthly fee, waivable with a minimum balance requirement.
  • Youth Savings Account
  • Features: Designed for customers under 18, often with a guardian co-owner.
  • Interest: Variable, often with incentives for regular savings.
  • Fees: Typically no monthly fees, low minimum balance requirements.

CD Rates and Money Market Accounts

FeatureCD RatesMoney Market Accounts
TermsOffered in a range of terms, typically from 3 months to 5 years.Not specified in the provided information.
Interest RatesVary based on term length. Longer terms generally offer higher rates.Variable rates, typically higher than regular savings accounts. Often tiered based on account balance.
Fixed or Variable RatesFixed rates for the term of the CD.Variable rates, subject to market fluctuations.
Minimum DepositVaries, with a minimum deposit requirement to open a CD.Not specified in the provided information.
Early Withdrawal PenaltiesApplicable if funds are withdrawn before the end of the term.Offers more liquidity than CDs but with certain transaction limits.
Check-Writing CapabilitiesNot applicable.Limited check-writing capabilities.
Minimum Balance RequirementsNot specified in the provided information.Higher than regular savings accounts, with fees waived upon maintaining a certain balance.
LiquidityLess liquid due to early withdrawal penalties.More liquidity than CDs but with certain transaction limits.
Fee WaiversNot specified in the provided information.Fees waived upon maintaining a certain balance.

Mortgage Loans and Other Loan Products

The basic analysis of the mortgage loan is further confined with other types of loan categories, that include;

  • Lines of Credit
  • Home Equity Loan: Lump-sum loan with fixed interest rates.
  • Home Equity Line of Credit (HELOC): Revolving credit line with variable interest rates.
  • Personal Loans
  • Unsecured Loans: No collateral required, with fixed interest rates.
  • Secured Loans: Lower interest rates, require collateral.
  • Auto Loans
  • New and Used Car Loans: Competitive rates for purchasing vehicles.
  • Refinancing Options: Available for existing auto loans.
  • Business Loans
  • Types: Include term loans, lines of credit, SBA loans, and commercial real estate loans.
  • Features: Tailored to support business growth, equipment purchase, or working capital needs.

Additional Products and Services

Additional features and services are another factor of attraction for the concise operational activity of the bank. Some of the most authentic offers include;

ServiceDescriptionKey Features
Credit Cards– Variety: Range from basic cards to rewards and premium cards.– Features: Cashback, travel rewards, low introductory rates, etc.
Investment Services– Wealth Management: Financial planning, investment management, retirement planning.– Brokerage Services: For individuals looking to invest in the stock market.
Insurance Products– Types: Life insurance, property and casualty insurance, business insurance.– Partnerships: Often offered through partnerships with insurance companies.
Online and Mobile Banking– Features: Account management, bill pay, fund transfer, mobile deposit.– Security: Advanced security features to protect customer information.
Financial Education & Advisory– Workshops and Seminars: On topics like financial planning, investment strategies.– Advisory Services: Personalized financial advice for individuals and businesses.

Comparison Overview with Other Institutes

Feature / BankCalifornia First National BankBank of AmericaWells Fargo
Branch LocationsPrimarily in CaliforniaNationwideNationwide
Product RangeComprehensive (personal and business banking, loans, investment services)Extensive (includes personal, business, and investment banking)Extensive (wide range of personal, business, and wealth management services)
Checking Account FeesVaries; some accounts have monthly fees, waivable with minimum balanceVaries; options to waive fees based on account balance or direct depositVaries; options for fee waiver based on account usage or balances
Savings Account Interest RatesCompetitive within California, may not be highest in marketCompetitive; varies by account type and balanceGenerally competitive; varies by account and balance
Online and Mobile BankingStrong digital presence with comprehensive servicesAdvanced digital banking platform with wide range of featuresExtensive online and mobile services, including innovative tools
Customer ServiceKnown for personalized service and customer-centric approachLarge-scale customer service with varying reviewsWide customer service network with mixed reviews

Pros and Cons Analysis


  1. Online and Mobile Banking – Strong digital presence, allowing convenient access to banking services.
  2. Community Involvement – Actively supports local businesses and initiatives, strengthening community ties.
  3. Financial Stability – Maintains a solid financial position, ensuring customer confidence.


  1. Potentially Higher Fees – Some accounts and services might have higher fees compared to other national banks.
  2. Interest Rates – Savings and CD rates might not always be the most competitive in the market.

Customer Reviews

Customer reviews often highlight the bank’s strong customer service and the ease of using online and mobile banking tools.

  • Many appreciate the personalized attention they receive at branches.
  • However, some reviews might point out higher fees for certain services or the lack of branches in more regions.

Final Personal Review – Services, Customer-Centric Approach

On the whole, California First National Bank excels in providing a range of services tailored to individual and business needs. Their customer-centric approach is a significant strength, offering personalized banking experiences. The bank’s commitment to technology through its online and mobile banking platforms enhances customer convenience and accessibility.


To make the concluding statement, the concerned bank stands with a comprehensive range of products that strongly emphasize customer service. It further enhances the functionality of the online and mobile banking platforms.

Additionally, its commitment to community involvement and customer-centric approach is well appreciated. This makes it a reliable choice for those seeking personalized banking services.

Potential customers must have to consider the specific needs and preferences of the bank which mainly include fee structures and location convenience, before making a final decision of choice.


Are the online and mobile banking services secure?

Yes, CalFirst employs advanced security measures to protect customer data and transactions.

Can I open an account if I’m not in California?

This depends on the bank’s policy. Some products may be available nationwide, but it’s best to check directly with the bank.

Does the bank offer financial advice for investment or retirement planning?

Yes, CalFirst provides financial advisory services, including investment and retirement planning.