For clients who demand and deserve more. A dedicated CERTIFIED FINANCIAL PLANNER™ professional, relationship-based pricing across every product line, bespoke lending solutions, trust & estate services, and a private client team that knows you by name. This is banking reimagined around you, your family, and your vision for the future.
Private Client goes far beyond everyday banking. It is a comprehensive, fiduciary-level relationship spanning deposit services, credit, investments, trust administration, and family wealth planning. Everything works in concert, guided by a single, dedicated advisor who understands your complete picture.
A premium deposit experience with 5.00%+ APY tiers, zero fees of any kind, unlimited global ATM rebates, and a private concierge available 24 hours a day.
A dedicated CFP® professional builds a personalized investment plan, monitors it continuously, and adjusts it as your life and goals evolve. Fiduciary standard — always.
From jumbo mortgages with private banking pricing to bespoke securities-backed lines of credit — receive preferred rates and a streamlined approval process that closes in days, not weeks.
Preserve your legacy and ensure your wealth transitions exactly as you intend. In-house trust officers, tax specialists, and estate attorneys work with your advisors to protect every generation.
Priority Banking is the deposit foundation of Private Client. Every fee — domestic, international, incidental, or otherwise — is removed. Every service is expedited. Every interaction is personal. Simply put, it is banking without friction.
Priority Checking is engineered for clients who maintain meaningful deposit relationships. Every standard fee is waived, every ATM in the world is free, and your balances earn tiered rates up to 5.00% APY through our Premier Money Market. Plus, unlock relationship pricing across the entire Oxnard product universe.
Every Private Client relationship begins with a complimentary, in-depth discovery meeting with a CERTIFIED FINANCIAL PLANNER™ practitioner. This is not a call center. This is not a robo-advisor with a chatbot. This is a tenured, credentialed fiduciary who will build, monitor, and continuously refine a comprehensive plan spanning investments, taxes, retirement, education funding, insurance, risk management, and estate strategy.
As a Private Client, you receive automatic relationship pricing — a minimum 0.50% APR discount on every Oxnard consumer loan, mortgage, and HELOC product. More importantly, you get a private banking underwriting team that understands complex income structures, trusts, LLC ownership, assets held away, and international credit histories. Close in days, not months. Fund when it matters.
Oxnard Private Client brings in-house trust administration, estate planning coordination, and multi-generational wealth transfer services under one roof. Our trust officers work directly with your estate attorney and CPA to ensure your plan is funded, current, tax-optimized, and executed exactly as you intend. From revocable trusts to dynasty planning, philanthropy to special needs trusts — we serve as a true fiduciary for every asset and every beneficiary.
Not every client needs Private Client. But for those who qualify, the combined value of relationship pricing, fee waivers, fiduciary wealth management, and trust services frequently exceeds CHF 10,000 to CHF 30,000 per year in measurable savings alone.
| Capability |
Premier Checking
Open
|
Private Client
Contact
|
|---|---|---|
| Monthly Fee | CHF 0 with Enhanced Direct Deposits | CHF 0 — completely waived, no conditions |
| ATM Rebates | ✓ Unlimited — global | ✓ Unlimited — global + partner bank lounges |
| Savings / MMA APY | Up to 5.25% (Accelerate Savings) | Up to 5.00% Premier MMA tiered + sweep options |
| Loan / Mortgage Pricing | 0.25% APR relationship discount | 0.50% APR automatic + custom underwriting |
| Dedicated Advisor | Priority phone queue support | ✓ Personal CFP® + team — one point of contact |
| Wealth Management | Standard Robo-Advisor (0.25%) | ✓ CFP® fiduciary managed (fee may be reduced or waived) |
| Trust & Estate Services | Not available | ✓ In-house trust officers, estate, tax, and philanthropy |
| Custom Lending (SBLOC / Jumbo) | Standard products only | ✓ Bespoke: SBLOC, asset-based, private banking underwriting |
| Wire Transfers | Free domestic; CHF 25 int'l | ✓ Free — domestic + incoming int'l; outbound int'l fee waived |
| Safe Deposit Box | Standard rental fees apply | ✓ Complimentary (up to CHF 500/yr value) |
| Extended FDIC / IntraFi Coverage | Standard CHF 250k per depositor | ✓ IntraFi Network CDARS & ICS — up to CHF 150M+ coverage |
| Typical Eligibility | CHF 0 + direct deposit | CHF 250k+ investable assets OR CHF 1M+ in combined AUM/deposits |
Private Client begins with a complimentary, no-obligation discovery meeting — at our offices, at your home, or over a secure video call. We will share our credentials, listen carefully to your goals, and propose a plan. No sales targets. No product quotas. Just a conversation between experts who are paid to put your interests first, always.
Private Client accepts a limited number of new relationships each quarter to ensure the quality of our service. Schedule a complimentary, no-obligation consultation today and discover what banking built around you actually feels like.