CVB Financial is the holding company for Citizens Business Bank. The bank serves more than 30 cities with 40 financial centers in the California counties of Fresno, Tulare, San Bernadino, Kern, Los Angeles, Orange and Riverside. It offers checking, savings and money market accounts, certificates of deposit, retirement plans, trust services and wealth management. Through Golden West Financial Services, CVB Financial assists customers with automotive and equipment leasing, as well as real estate financing. The organization helps businesses with cash management, merchant services, direct deposits and credit cards. It also offers international services, financial advisory and investment programs. CVB Financial is based in Ontario, Calif.