Community Dividends® Checking

Our standard Community Dividends account is a simple, interest bearing transaction account specially designed for 501(c)(3) local nonprofits.

  • FREE Digital & Mobile1 Banking
  • FREE Online Bill Pay
  • Relationship Account Rewards
  1. 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.
  2. Items include: regular deposits, deposited items, ATM deposits and withdrawals, transfers (in-person, online, automatic and telephone), manual loan payments, cashed checks, deposits received by mail, ACH debits, cashier check debits, officer approved checks and POS transactions (one-time and recurring).

What documents will you need to open a business account? Here's a simple checklist of required documents.