Relationship Business
Checking Accounts

At Montecito Bank & Trust it's all about relationships.

We reward our customers for having a relationship with us. Open any relationship checking account and a Business Relationship Money Market account and we'll increase the interest rate on your money market account and waive the monthly maintenance fee. Get started today by finding the checking account that best fits your business needs.

Need help finding the right account?  Try our Interactive Account Finder

Basic Business Checking

A basic checking account for sole proprietors and businesses with limited checking needs.

  • No monthly maintenance fee
  • No balance requirements
  • Up to 150 free processed items per month*
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Community Dividends® Checking

A simple, interest bearing transaction account specially designed for local 501(c)(3) nonprofits.

  • Interest bearing
  • No monthly maintenance fee
  • No balance requirements
  • Up to 150 free processed items per month*
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Business Checking

A flexible account for growing businesses with low balances and moderate transaction activity.

  • Low balance requirements
  • Many opportunities to reduce or eliminate maintenance fee
  • Up to 300 free processed items per month*
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Business Interest Checking

A checking account for all businesses with moderate transaction activity looking to earn interest on their deposits.

  • Interest bearing
  • Available to all businesses
  • Up to 300 free processed items per month*
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Business Analysis Checking

A high volume checking account for established businesses with large average daily balances.

  • Earnings Credit may offset monthly activity fees
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Business Sweep Account

Managing Your Cash

An analyzed interest maximizing deposit solution designed to meet your daily money management needs. This account combines the power of Analysis Checking with the potential of a money market account.

  • Available balance automatically sweeps between your checking account and a high yield money market.
  • Earnings Credit may offset monthly activity fees
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* 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).


All of our Relationship Business Checking Accounts include

Relationship Rewards

Enjoy an interest rate increase on a Business Relationship Money Market Account.

Overdraft Protection

Avoid overdrawing your account by linking any Business Checking, Savings or Money Market1 Account or applying for a Business Ready Cash Reserve Overdraft Line of Credit (RCR)2 for up to $10,000 of overdraft protection.

1 Fees apply. 2 Upon credit approval; fees apply.

FREE Account Alerts

Stay on top of your finances between statements with our free account alerts. You set the balances and activity you want to monitor and notices are automatically delivered to your e-mail or online inbox.

FREE Online and Mobile Banking3

Using your computer or mobile device, securely access your accounts, view balances and transfer money.

3 Your mobile carrier's text messaging and web access charges may apply.

FREE Online Bill Pay

No more stamps or trips to the post office with this time-saving secure, fast and convenient way to pay bills.

FREE eStatements with Check Images

Go green and enroll in eStatements and receive front and back images of your checks every month.

Chip Enabled Debit Cards

Chip enabled debit cards provide extra peace of mind when making point-of-sale transactions. Chip technology adds another layer of security when used at chip-enabled card readers by producing a unique code, making it extremely difficult to produce counterfeit cards.

FREE 24-7 Telephone Banking

Check your balances, make transfers and locate our ATMs any time of day or night using Instant Banker.


Need more information? Call us today at (805) 963-7511, or just stop by one of our convenient branch locations.