Section 560 Of Article 2. Actions Involving The Conduct Of Business By Unauthorized Persons From California Financial Code >> Division 1. >> Chapter 6. >> Article 2.

. No person who has not received a certificate from the commissioner authorizing it to engage in the banking business shall solicit or receive deposits, issue certificates of deposit with or without provision for interest, make payments on checks, or transact business in the way or manner of a bank or trust company.