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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

Personal

Online Account Opening

We make it easy to start banking local.

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With Online Account Opening you can open an individual or joint personal checking and/or savings account from anywhere and at any time you like using your desktop computer, phone, or tablet. The secure application only takes about 10 minutes to complete, and we will guide you through each step.

What to know before you apply:

  • You must be 18 years old and reside within the Bank's footprint to apply online.
  • Trusts and businesses cannot apply online at this time.
  • You will need your SSN or ITIN number as well as your Government Issued Identification, such as a Driver's License.
  • If another person will be a joint owner on your account(s), they should be with you when you apply to enter and validate their personal information.
  • Your application will be reviewed within 2 business days. If approved, you will be sent an email via DocuSign to electronically sign your signature card.

Checking Accounts Available Online

Everyday Checking

A simple account with great perks. No maintenance fees for seniors 65+ or Formal Trust accounts.

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Cashback Checking

Get cashback rewards on everyday spending. No maintenance fees for students 14 to 24 years old.

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Access Checking

An all-in-one account with access to premier services.

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Private Access Checking

An all-in-one account, specifically for Wealth Management clients.

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Everyday Checking
 Cashback Checking
Student Version Available1
 Access Checking
 Private Access Checking
Account Type
Go green with eStatements Get cashback rewards2
 An all-in-one banking package with access to premier account services An all-in-one account, reserved for our Wealth Management Clients
Monthly Maintenance Fee $8 $15 $25 $0
How to Avoid Monthly Maintenance Fee
  • Enroll in eStatements and maintain $500 minimum daily balance3 OR
  • Primary account holder’s age is 65 or greater OR
  • Account is a Formal Trust
    Enroll in eStatements3 AND
  • complete 15 or more debit card transactions each statement cycle OR 
  • primary account holder's age is 14-24 years old1
  • $10,000 minimum daily balance OR
  • $25,000 average available balance
 N/A
Free Online & Mobile Banking4
Free Online Bill Pay
Manage your Debit Card with CardControl
Send & receive cash with Zelle®
Free Direct Deposits
Free Account Alerts
Free 24/7 Telephone Banking
Overdraft Protection Available
Unlimited Access to Funds
Free Combined Statement Upon Request
Free MB&T ATM Access
Free Out of Network ATM Use5 Refund up to $15/month
Cashback Rewards2 $0.10 per qualifying transaction
For Youth 14-19[invalid footnote]
Interest Earning Yes, see the Deposit Rate Summary for details. Yes, see the Deposit Rate Summary for details.
Free Notary Services
Free Incoming Wires
Cross Border Fee Refunded
Foreign Currency Conversion Fee Refunded
Free Cashier's Checks
Free Checks
Free Safe Deposit Box
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  1. The Student version is a debit card only account, no checks will be issued. Adult signature is required to open an account. At age 25, this account becomes a Cashback Checking non-student account and is subject to those account requirements.
  2. Qualifying transactions include debit POS transactions, BillPay, and Mobile Deposit. Cashback reward is capped at $20 per statement cycle.
  3. Must have Online Banking to enroll in eStatements.
  4. Montecito Bank & Trust does not charge for the Mobile Banking service; however, your wireless provider may charge for Internet access and text messages. Please check with your wireless provider.
  5. For Access Checking and Private Access Checking accounts, Montecito Bank & Trust waives the fees for the use of non-MB&T ATMs when the fee or surcharge is identified as a separate transaction. For Cashback Checking, if you use a non-MB&T ATM, MB&T will charge a fee in addition to the fee or surcharge that may be assessed by the ATM owner/operator. MB&T will refund up to $15 in total fees or surcharges per statement cycle when the ATM/POS fee or surcharge is identified as a separate transaction. 

Savings Accounts Available Online

Personal Savings

Earn interest with this basic savings account.

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Relationship Bonus Money Market

Get an interest bonus when paired with a qualified checking account.

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Montecito Money Fund

Earn higher money market rates with higher balances.

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Personal Savings

Earn interest with this basic savings account.

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Relationship Bonus Money Market

Get an interest bonus when paired with a qualified checking account.

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Montecito Money Fund

Earn higher money market rates with higher balances.

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Personal Savings Relationship Bonus Money Market Montecito Money Fund
Accounts
Monthly Maintenance Fee $9 per quarter $10 $10
Requirements to Waive Monthly Maintenance Fee $300 minimum daily balance $2,500 minimum daily balance $2,500 minimum daily balance
Interest Earning6
Combined Statement Upon Request
Check Writing Ability
For Youth up to 18 years old7
  1. Simple interest accrues daily, compounded quarterly and paid quarterly. View our Deposit Rate Summary for the latest rates.
  2. Adult signatory required.

Have any questions?

We're here to help.

Schedule an appointment ATM & branch locations Call us at (805) 963-7511

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