Classic Secured Card | Montecito Bank & Trust

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

Montecito Bank and Trust classic secured credit card.

Let's take the first step to building your credit – together!

No Annual Fee

Online Account Access

Digital Wallet Compatible

How does it work?

1. Apply & provide a deposit

If approved, secure your line with an equal deposit. That means a $500 deposit for a $500 credit line, etc. up to $5,000.

2. Build your credit responsibly

Pay your balance in full each month by the due date to avoid interest on purchases. Make it easy with autopay through our online credit card portal!

3. Convert to an unsecured card

Using credit responsibly across all your credit cards may qualify you to get your security deposit back and convert to an unsecured card.

1. Apply & provide a deposit

If approved, secure your line with an equal deposit. That means a $500 deposit for a $500 credit line, etc. up to $5,000.

2. Build your credit responsibly

Pay your balance in full each month by the due date to avoid interest on purchases. Make it easy with autopay through our online credit card portal!

3. Convert to an unsecured card

Using credit responsibly across all your credit cards may qualify you to get your security deposit back and convert to an unsecured card.

The Details

Annual Fee	No Annual Fee
APR for Purchases	17.24% This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers	17.24% This APR will vary with the market based on the Prime Rate. A 3% fee (minimum $5) applies to all balance transfers.
APR for Cash Advances	22.24% This APR will vary with the market based on the Prime Rate. A 4% fee (minimum $10) applies to all cash advances.
Credit Limit	$500 - $5,000
Foreign Currency Fee	3% of the transaction amount in US Dollars.
Additional Features	Online Account Access: Enjoy more control and conveniently manage your card accounts 24/7 by logging into our credit card portal to: View transactions and statements Set alert notifications Make one-time or recurring payments Enroll in eStatements

Apply now Pricing & contract FAQ

CardControl

Located in the MB&T Mobile app, CardControl helps you control when, where, and how your card is used.

Have any questions?

We're here to help.

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

Additional Services

Ready to explore? Here are some more great options we think you'll love.

A hand holding a phone displaying fraud text alert messages.

Fraud Text Alerts

We proactively look for, and alert you to, potentially fraudulent card activity so you can rest easy.

A person using a phone as digital wallet scanning a credit card reader.

Digital Wallets

Load your card to your phone and leave the plastic at home. Just tap your phone to pay!

A pen writing on a check.

Personal Checking Accounts

We've got the checking account you need, with the online access you want.