Skip to main content

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

Signature Banking Services

Private Access Checking

Reserved MB&T's Wealth Management clients, MB&T's Private Access Checking account is a premier interest-checking account package with access to signature account services with free ATM access.

No ATM Fees
  • Free Montecito Bank & Trust Debit Card
  • Free MB&T and Out of Network ATM Access[invalid footnote]
  • Refunded Debit Card Cross Border Fee
  • Refunded Debit Card Foreign Currency Conversion Fee1
Complimentary Banking Services
  • Free Online Banking and Bill Pay
  • Free incoming wires
  • Free notary services
  • No fee cashier's checks
  • Two free check orders per year (selected styles)
  • Check images are returned with statement (upon request) at no charge
  • Free 3x5 Safe Deposit Box2
Earn Interest Yes

Private Access Checking clients also qualify for a relationship bonus on a separate Relationship Bonus Money Market Account. For current rate information please see Montecito Bank & Trust Deposit Rate Summary

  1. Refunds will be credited to your account the same business day your account is charged for the Cross Border Fee or Foreign Currency Conversion Fee.
  2. Subject to availability. Note: If you close your Private Access Checking account and do not surrender the Safe Deposit Box, you will be charged the current rate for the 3x5 box. Please refer to the Schedule of Fees for the most current rate.

Please see Deposit Account Terms and Disclosures for more details.

Member FDIC

Have any questions?

We're here to help.

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

Learn More

Dive in and explore.

Coral reef in the ocean.
Investment Management
Learn more
Soft corals in the ocean.
Trust Services
Learn more
Kelp flowing in the ocean.
Philanthropic Services
Learn more