Business Access CD

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

Casa Dorinda Branch Update - The Casa Dorinda branch will be closed October 7th, 8th, 13th, and 14th. We apologize for the inconvenience.

Casa Dorinda Branch Update - The Casa Dorinda branch will be closed October 7th, 8th, 13th, and 14th. We apologize for the inconvenience. Learn More

Enjoy the higher earning potential of a traditional CD with the flexibility of unlimited deposits and one withdrawal.

The Details

Key Features	Unlimited deposits and one penalty-free withdrawal during your 7-month term.
Term	7 months
Interest	Yes¹
Minimum to Open	$10,000
Minimum Balance	$10,000
Access to Funds	The Access CD allows unlimited deposits and the ability to make one withdrawal during the term without penalty, as long as the balance remains above $10,000.²
Online and Mobile Banking³	Free

Simple interest accrues daily and compounds daily. Customers can have their interest paid weekly, bi-weekly, monthly, semi-annually, annually, or at maturity (if the term is one year or less). View our Deposit Rate Summary for the latest rates.
Penalty for early withdrawal will be imposed if: 1) first withdrawal causes the balance to fall below $10,000, 2) more than one withdrawal is made during the term of the CD or 3) the withdrawal is made within the first six (6) days of the initial deposit (or last deposit) or within six (6) days of a partial withdrawal.
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.