Trust FundsIntermediateCalifornia Exam

A broker may maintain a personal (broker's) funds balance in the trust account of up to how much to cover bank service charges?

A$0 — no personal funds are ever allowed, under standard California trust fund handling rules
B$200, as required by DRE trust account regulations
CA reasonable amount, not to exceed $200, to cover bank chargesCorrect
D$1,000, consistent with standard broker trust accounting practice

Why A reasonable amount, not to exceed $200, to cover bank charges Is Correct

Answer C: A reasonable amount, not to exceed $200, to cover bank charges

California regulations allow a broker to keep a small amount of their own funds (generally not to exceed $200) in the trust account solely to cover bank service charges. Any more is considered commingling.

Exam Tip: Trust Funds

Trust fund questions test the rules for handling client money. Know the deadlines for depositing trust funds, what constitutes commingling vs. conversion, and the penalties for violations.

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