Glossary

Company and Division Names

Always capitalize City National Bank’s division titles and write them out: Private Banking. If a title includes an ampersand (&), do not change to and.

Do not use City National before the division name unless you are referring to City National Preferred Banking®. All other divisions stand alone: Commercial Banking, Entertainment Banking, etc. If you are introducing the division, you may use the possessive form: City National’s Private Banking team.

In marketing materials, use group or team after the division name: the Entertainment Banking group, not the Entertainment Banking division. Group or team can be used interchangeably based on each division’s preference, but should remain consistent throughout its marketing materials.

 

City National®

Use the registered mark on first reference, but never before product or division names: City National Crystal Card® Experiences. Do not apply the registered mark when using the possessive: City National’s. Do not include in colleague bios or on owned media where the City National logo and copyright are visible. This includes cnb.com, bank social media channels, sales enablement materials, City National Insights and in-branch marketing material.

 

City National Bank, Royal Bank of Canada

Use these titles to refer to City National Bank units and subsidiaries and to Royal Bank of Canada’s divisions and subsidiaries.

 

City National Bank

Refer to City National Bank or City National®. Do not use references to City or CNB in any client-facing materials.

 

City National Rochdale® Funds

 

City National Rochdale® LLC

Proper first reference to the wholly owned subsidiary of City National Bank. You can remove LLC on subsequent references.

 

City National Securities

Do not use CNS in marketing materials.

 

CN Bank

Per Legal, City National will generally do business as CN Bank in connection with new physical locations in Florida and marketing and promotional activities that are exclusively directed to the State of Florida.

Do not use CN Bank in any other contexts.

 

Commercial Banking

 

Corporate Real Estate (CRE)

 

Entertainment Banking

However, do not capitalize entertainment industry.

 

Food & Beverage group

However, do not capitalize food and beverage industry.

 

Marketing, Product and Digital

All uppercase when used as an acronym. MPAD.

 

Personal & Business Banking

 

Private Banking

 

RBC Banking Solutions

 

RBC Capital Markets

 

RBC Investor & Treasury Services

 

RBC Personal & Commercial Banking

 

RBC Wealth Management & Insurance

 

RBC Wealth Management-U.S.

 

Real Estate Banking

 

Royal Bank of Canada

In marketing materials such as event invitations or emails, you may use RBC on first reference. In press releases and news articles, spell out Royal Bank of Canada on first reference.

 

Specialty Banking

 

Treasury Services

 

Wealth Management

Products and Services

adjustable-rate (ARM) mortgage

Hyphenate when used as a modifier: adjustable-rate mortgage/loan/line of credit. Do not hyphenate as a noun phrase: Adjustable rates are available for mortgages and other loans at City National.

 

AgilLink®

Use the registration mark on first reference.

 

Am Law 200

Capital A and lowercase m. Separate Am and Law with a space.

 

Annual Percentage Yield (APY)

Spell out on first reference. When promoting or marketing Certificate of Deposit (CD) rates, only reference the Annual Percentage Yield (APY). Do not mention interest rates to ensure consistency across all marketing.

 

Award

Use Award when referring to something for which a client can redeem City National Rewards® Points. Example: Redeem City National Rewards® Points for a variety of Awards such as cash back, City National Visa® Award Cards, travel, merchandise and more.

 

Book2Bank®

Use the registered mark on first reference.

 

business line of credit, Business Line of Credit

Title case when referencing a specific offer: a 1.99% Business Line of Credit. Otherwise, use lowercase: Open a business line of credit.

 

City National Cash Back Visa Signature® Credit Card

Use the registered mark after Signature on first reference. No registered mark for Visa. Acceptable to use Cash Back Visa Signature Credit Card or Cash Back Visa Signature Card after first use. Do not use the CBVS acronym in client-facing materials.

 

City National Crystal Card® Experiences

Use title case in all instances; trademark Card on first reference.

 

City National Crystal® Visa Infinite® Credit Card with City National Rewards®

Use the full name and all registered marks on first reference. Acceptable to use Crystal Visa Infinite Credit Card or Crystal Visa Infinite Card after first use.

 

City National Ladder Up℠ Program

 

City National Mobile App®

Uppercase in all instances. Use trademark symbol for App on first reference.

 

City National Online®

Use the registered mark on first reference. Do not reference CNO in client-facing materials.

 

City National Visa® Award Card

Always use the registered mark after Visa on first reference. Acceptable to use Award Card after first reference.

 

City National Visa® Check Cards

Always use the registered mark after Visa on first reference.

 

City National Visa® Platinum Credit Card with City National Rewards®

Always use the registered mark after Visa on first reference. (No mark for Platinum.) Use the registered mark after Rewards. It is acceptable to use Visa Platinum Credit Card with Rewards or Visa Platinum Card with Rewards after first reference.

 

City National Visa Signature® Credit Card with City National Rewards®

Always use the registered marks after Signature and Rewards on first reference. It is acceptable to use Visa Signature Credit Card with Rewards or Visa Signature Card with Rewards after first reference.

 

credit card

Capitalize when used in conjunction with a branded card name or in reference to a particular City National card: City National Visa® Platinum Credit Card; Crystal® Visa Infinite® Credit Card. Lowercase when used alone for general credit card references: Access your credit card balance online.

 

Crystal Card® Concierge

Title case; use the registered mark after Card.

 

fixed-rate mortgage

Hyphenate when used as a modifier: fixed-rate mortgage/loan/line of credit. Do not hyphenate as a noun in a phrase: Fixed rates are available for mortgages and other loans at City National.

 

home equity line of credit (HELOC)

Do not use the HELOC acronym without first establishing home equity line of credit (HELOC).

 

Points

Uppercase when specifically referencing City National Rewards® Points.

 

Relationship Manager

Uppercase in all marketing materials and most internal communications (e.g., Product Update emails, Marketing Campaign Spotlight emails, Points of Interest newsletter). Lowercase for news articles and press releases, including InfoLink Headlines articles.

 

Rewards

Uppercase when specifically referencing City National Rewards®.

Registered Marks, Service Marks and Trademarks

AgilLink®

Use the registration mark on first reference.

 

America’s Premier Private and Business Bank®

Use the registered mark on first reference.

 

Book2Bank®

Use the registered mark on first reference.

 

BrokerCheck®

Use the registered mark on first reference.

 

California’s Premier Private and Business Bank®

Use the registered mark on first reference.

 

City National®

In marketing materials. Use the registered mark on first reference, but never before product or division names. The registered mark is unnecessary in colleague bios or articles.

 

City National Business Suite®

Use the registration mark on first reference.

 

City National Cash Back Visa Signature® Credit Card

Use the registered mark after Signature on first reference. No registered mark for Visa. Acceptable to use Cash Back Visa Signature Credit Card or Cash Back Visa Signature Card after first use. Do not use the CBVS acronym in client-facing materials.

 

City National Crystal® Visa Infinite® Credit Card with City National Rewards®

Use the full name and all registered marks on first reference. Acceptable to use Crystal Visa Infinite Credit Card or Crystal Visa Infinite Card after first use.

 

City National Ladder Up℠

Use the service mark after Ladder Up on first reference. Do not use City National's Ladder Up programs.
For example: City National Ladder Up℠ Home Loan Grant or City National Ladder Up℠ Small Business Loan Program.

 

City National Bank App®

Uppercase in all instances. Use trademark symbol for App on first reference.

 

City National Online®

Use the registered mark on first reference.

 

City National Preferred Banking®

Use the registered mark on first reference.

 

City National Rewards®

Use the registered mark on first reference to our rewards program.

 

City National Rewards® account

Use the registered mark on first reference. Lowercase account.

 

City National Rewards® program

Use the registered mark on first reference. Lowercase program.

 

City National Rochdale®

Use the registered mark on first reference.

 

City National’s

Do not use the registered mark when City National is possessive.

 

City National Visa® Check Cards

Use the registered mark after Visa when generally referencing City National Visa check (debit) cards.

 

City National Visa® Commercial Credit Card

Use the registered mark after Visa on first reference. Acceptable to use Commercial Credit Card or Commercial Card after first reference.

 

City National Visa® Commercial Credit Card with City National Rewards®

Use the registered marks after Visa and Rewards on first reference. Acceptable to use Commercial Credit Card with Rewards or Commercial Card with Rewards after first reference.

 

City National Visa® Crystal Commercial Credit Card

Use the full name and both registered marks on first reference. Acceptable to use Crystal Commercial Credit Card or Crystal Commercial Card after first reference.

 

City National Visa® Platinum Credit Card with City National Rewards®

Always use the registered mark after Visa on first reference. (No trademark for Platinum.) Use the registered mark after Rewards. It is acceptable to use Visa Platinum Credit Card with Rewards or Visa Platinum Card with Rewards after first reference.

 

City National Visa Signature® Credit Card with City National Rewards®

Always use the registered marks after Signature and Rewards on first reference. It is acceptable to use Visa Signature Credit Card with Rewards or Visa Signature Card with Rewards after first reference.

 

cnb.com®

cnb.com® is a registered trademark of City National Bank.

 

Datafaction®

Use the registered mark on first reference.

 

EASI Link®

Use the registered mark on first reference.

 

Entertainment Reimagined™

Use the registered mark on first reference.

 

Exactuals®

Use the registered mark on first reference.

 

Experience the City National Difference®

Use the registered mark on first reference.

 

FASTDeposit®

Use the registered mark on first reference. Italicize FAST.

 

FilmTrack®

One word. Capitalize F and T. Use the registered mark on first reference.

 

Nevada’s Premier Private and Business Bank®

Use the registered mark on first reference.

 

Reading is The way up®

Use the registered mark on first reference. Italicize The way up.

 

The way up®

Use the registered mark on first reference. Always italicize. Capitalize The. Lowercase way and up.

 

Treasury Net®

Use the registered mark on first reference. No hyphen. Do not use T-Net, T-NET or Treasury-Net.

 

Visa trademark attribution

Visa is a registered trademark owned by Visa International Service Association and is used under license.
Visa Signature is a registered trademark owned by Visa International Service Association and is used under license.
Visa Infinite is a registered trademark owned by Visa International Service Association and is used under license.

When referring to multiple trademarked Visa products (in this example, Visa Platinum, Visa Signature and Visa Infinite): Visa, Visa Signature and Visa Infinite are registered trademarks owned by Visa International Service Association and are used under license.

Brand Tag Lines and Common Phrases

About City National Boilerplate

As of 8/29/24

City National Bank, a subsidiary of Royal Bank of Canada, is the largest bank headquartered in Los Angeles with $92 billion in assets as of July 31, 2024. Founded in 1954, City National provides personalized banking, investment and trust services in select markets including Los Angeles, Orange County, San Diego, the San Francisco Bay Area, New York City, Nashville, Atlanta, Delaware, Las Vegas, Washington D.C. and Miami.* In addition, the company and its investment affiliates manage or administer $101 billion in client investment assets. City National is dedicated to strengthening communities, and in 2023 alone, the company made more than $11 million in charitable contributions to nonprofits that support the communities it serves.

For more information about City National, visit the company’s website at cnb.com.

*City National Bank does business in Miami and the state of Florida as CN Bank.

 

City National Crystal Card® Experiences

Entertainment Reimagined™

 

City National Crystal Visa Infinite Credit Card

See the World Through Crystal

 

City National Preferred Banking®

For the most important stages of your financial life.

 

Commercial Banking

Recognized for Excellence in Business Banking

 

Entertainment Banking

Proudly serving the entertainment industry for more than 65 years.

Or: Serving the entertainment industry for more than 65 years.

 

Personal & Business Banking

Global Relationship Management℠

 

PRIDE values

Used as an acronym for People, Relationships, Integrity, Dedication, Entrepreneurs & Excellence to describe City National values. Not P.R.I.D.E. values.

 

Private Banking

America’s Premier Private and Business Bank®

 

referrals campaign

The people you trust, trust City National.

 

Treasury Management

Your business, optimized.

 

Treasury Services Deposits

The strength of experience. The convenience of control.

Currency

bitcoin

Lowercase in all uses except at the start of a sentence.

 

capitalization

The country is capitalized, but the currency is not (e.g., Japanese yen, Canadian dollar, U.S. dollar, South African rand, British pound).

 

foreign currencies

Following the amount, spell out the name of the currency and add the U.S. dollar equivalent in parentheses: Japan approved a 1.8 trillion yen ($18 billion) extra budget.

 

thousand, million and billion

Spell out thousand, million and billion. In headlines, abbreviate as K, M or B.

Financial Terminology

account holders

Two words; lowercase both account and holders.

 

acronyms

Spell out financial terms on first reference and include the acronym in parentheses: Real Gross Domestic Product (GDP); Federal Open Market Committee (FOMC); The German Indicator of Economic Sentiment (ZEW).

 

adjustable-rate (ARM) mortgage

Hyphenate when used as a modifier: adjustable-rate mortgage/loan/line of credit. Do not hyphenate as noun phrase: Adjustable rates are available for mortgages and other loans at City National.

 

Automated Teller Machine (ATM)

You do not have to spell out on first reference.

 

cashier’s check

Use cashier’s, not cashiers.

 

Certificate of Deposit (CD)

Spell out Certificate of Deposit on first reference. After the first mention, please use CD.

While certificate of deposit can be spelled using lowercase letters, our stylistic preference is to capitalize it as Certificate of Deposit. Use Certificates of Deposit (CDs) for plural. CD’s for possessive.

 

commodity terms

Consider your audience’s sophistication when choosing between Oil is $30 a barrel and Oil is $30/bbl. Write clearly to avoid confusion without insulting anyone’s intelligence.

 

federal funds, federal funds rate

 

Federal Reserve

Use Federal Reserve on first reference, the Fed on second reference.

 

FINRA

All caps; this is the proper format when referring to the Financial Industry Regulatory Authority.

 

fixed-rate mortgage

Hyphenate when used as a modifier: fixed-rate mortgage/loan/line of credit. Do not hyphenate as a noun in a phrase: Fixed rates are available for mortgages and other loans at City National.

 

high-net-worth, ultra-high-net-worth

Use hyphens for all. Do not use acronyms HNW or UHNW.

 

investable

Use investable, not investible.

 

New York Stock Exchange (NYSE)

 

Operation Lift-Off

This is the proper format for the Federal Reserve’s interest rate hike program.

 

Prime interest rate

Always capitalize Prime.

 

small business owner

No hyphens.

 

treasury

Lowercase unless referencing Treasury bills (T-bills).

 

treasury management, Treasury Management

Title case the division name. Lowercase when used to describe the management of a company’s cash holdings. Use treasury management for commercial banking. Use cash management for small business.

 

U.S. Securities and Exchange Commission (SEC)

Geography

eurozone

Use this rather than Eurozone or Euro Zone.

 

Los Angeles

Spell out on first reference. It’s acceptable to use LA (no periods) on subsequent references.

 

New York City

Spell out on first reference. It’s acceptable to use NYC (no periods) or New York on subsequent references.

 

state names

Spell out the entire state name when used alone. Either spell out completely or use the approved postal code when paired with a city, and separate the city and state with a comma while adding a comma after the state reference, unless it ends a sentence.

 

time zones

Do not include time zones unless necessary and relevant to a particular audience.Capitalize the full name of the time in force within a particular zone. For example, Eastern Standard Time, Eastern Daylight Time. Lowercase all but the region in short forms. For example, the Eastern time zone, Mountain time. Spell out time zone in references not accompanied by a clock reading. For example, Chicago is in the Central time zone.

Use abbreviations EST, PST, etc., on first reference for zones used within the continental United States, Canada, and Mexico if the abbreviation is linked with a clock reading. For example, noon EST or 9 a.m. PST. Do not set off the abbreviations with commas.

CNB digital platforms should use ET for Eastern Standard Time and PT for Pacific Standard Time.

The difference between Standard Time and Daylight Time is one hour. Daylight Time is used in the spring and summer months (when clocks “spring ahead”), while Standard Time is used in the fall and winter months, when clocks are set one hour earlier (“fall back”).

 

United States

Use periods in the abbreviation, U.S., within texts. In headlines, it's US (no periods).

 

Washington, D.C.

Spell out on first reference. Use a comma after Washington. It’s acceptable to use DC (no periods) on subsequent references. Use DC (no periods) in postal addresses.

 

Homebuying Terminology

down payment

Two words; no hyphen.

 

first-time homebuyer

When referring to someone purchasing a home for the first time, include a hyphen between 'first' and 'time.' Note that homebuyer is also one word. See the Homebuyer entry for more information.

 

homebuyer, homebuying

The AP Stylebook advises homebuyer as one word, so by extension, it would be homebuying process. However, there may be contexts in which home-buying or home buying would be clearer, such as a small-home buying process. Our general rule of thumb is to spell out as one word.

 

homeowner, homeownership

Spell as one word. Avoid home owner, home-owner, home ownership, or home-ownership.

 

pre-approval, pre-approved

When referencing the terms above, use a hyphen between 'pre' and 'approval' as well as 'pre' and 'approved.'

 

REALTOR®

Capitalize all mentions of the word REALTOR®. The term real estate agent is preferred. Avoid using REALTOR unless there is a reason to indicate that the individual is a member of the National Association of Realtors.