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SCAM WARNING - Fraudsters are calling clients, spoofing the Bank's phone number and posing as MB&T employees. These fraudsters ask for Online Banking passwords and one-time PINs. We will never ask for this information. Please hang up & call your branch, Relationship Manager, or our Service Center (805-963-7511) immediately.

SCAM WARNING - Bankers never ask for your Online Banking password or one-time codes. Learn More

Disclosures & Rates

Below are links to important documents pertaining to Montecito Bank & Trust deposit accounts.
You can download and/or print these files.

Deposit Account Terms and Disclosures - A detailed description of important terms and conditions applicable to your account.

Deposit Rate Summary – A summary of your interest-bearing deposit account's interest rate and annual percentage yield (APY).

Schedule of Fees & Charges – A list of fees and charges associated with your deposit account.

Electronic Communications Agreement - Consumer Online Banking Agreement - Used to obtain your consent to provide you with communications in electronic format during the Online Banking enrollment process and subsequent times when you access the Online Banking system.

Consumer Online Banking Agreement & Electronic Funds Transfer Act Disclosure - Used to enroll in consumer online banking.

Commercial Center Business Bill Pay Terms and Conditions - A detailed description of important terms and conditions applicable to your Commercial Center Bill Pay service.

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