Skip to main content
×

Business

Business Checking

Powerful tools. Multiple options. Big or small, we have an account to fit your business needs.

A woman's arm and hand using her phone next to her laptop and calculator.

Checking Accounts

We know every business is different, and needs change over time. From sole proprietors to more complex corporations and everything in between, our business banking products are a simple way to manage your unique needs.

Basic Business Checking

Ideal for new or small businesses with basic checking needs.

Learn more
Business Interest Checking

Designed for businesses who want to put their business checking balances to work earning interest.

Learn more
Business Analysis Checking

Built for established businesses with large transaction volume, complex cash management needs and large balances.

Learn more
Business Sweep Account

Combine the power of Analysis Checking with the earnings potential of a money market account.

Learn more
Basic Business Checking Business Interest Checking Business Analysis Checking Business Sweep Checking
Account Type
Description Ideal for sole proprietors and businesses with basic checking needs Designed for all businesses looking to earn a competitive rate of interest A high volume account for established businesses with large average daily balances This account combines the power of Analysis Checking with the earnings potential of a money market account
Monthly Maintenance Fee $8 $18 $20 $18
How to Avoid Monthly Maintenance Fee Enroll in eStatements $8 credit: enroll in eStatements

$10 credit: Maintain a $10,000 average balance

Balances in this account earn an Earnings Credit which may offset this and other fees Balances in this account earn an Earnings Credit which may offset this and other fees
Minimum Opening Deposit $50 $50 $50 $50
Number of Free Processed Transaction Items1 Up to 150 Free Processed Transaction Items Up to 250 Free Processed Transaction Items Balances in this account earn an Earnings Credit which may offset this and other fees, including Cash Management fees Balances in this account earn an Earnings Credit which may offset this and other fees, including Cash Management fees
Additional Item Fee $0.40 $0.40 $0.40
Cash Management Features2
Interest Earning
ZBA Eligibility
Learn More Learn More Learn More Learn More Learn More Learn More
Learn more
Learn more
Learn more
Learn more
  1. Items include: deposits and deposited items (excluding CheckCapture items which are billed separately), withdrawals (ATM and in person), transfers (in-person, online, automatic and telephone), manual loan payments, paid items (checks and debits), ACH debits, and POS transactions (one-time and recurring).
  2. Cash Management features including Wire Transfers, ACH Services, Remote Deposit Capture, and Positive Pay available for additional fees.

Customized Packages for Every Business

Take your business further with scalable Cash Management Packages that pair seamlessly with any MB&T checking account. Each package brings together essential cash management tools including ACH, Wires, and Remote Deposit and secure Business Online Banking to help you streamline payments, strengthen cash flow, and work more efficiently. Choose the package that fits your business and make managing your finances faster, easier, and more effective.

Business Builder

Say goodbye to checks and hello to faster payments!

$10/month + per items fees3

  • Online Banking with Bill Pay and Mobile Deposits
  • Small Business ACH Origination
Business Smartflow

Improve cash flow, automate payables, and scale smoothly.

$65/month + per item fees3

  • Online Banking with Bill Pay & Mobile Deposits
  • ACH Origination
  • Remote Deposit Capture - FREE scanner and waived set-up fee!
Business Shield

Add fraud protection without sacrificing convenience.

$115/month + per item fees3

  • Online Banking with Bill Pay & Mobile Deposits
  • ACH Origination
  • Remote Deposit Capture - FREE scanner and waived set-up fee!
  • Wire Origination - Waived Monthly Service Fee!
  • Positive Pay - ACH & Check4
Business Builder

Say goodbye to checks and hello to faster payments!

$10/month + per items fees3

  • Online Banking with Bill Pay and Mobile Deposits
  • Small Business ACH Origination
Business Smartflow

Improve cash flow, automate payables, and scale smoothly.

$65/month + per item fees3

  • Online Banking with Bill Pay & Mobile Deposits
  • ACH Origination
  • Remote Deposit Capture - FREE scanner and waived set-up fee!
Business Shield

Add fraud protection without sacrificing convenience.

$115/month + per item fees3

  • Online Banking with Bill Pay & Mobile Deposits
  • ACH Origination
  • Remote Deposit Capture - FREE scanner and waived set-up fee!
  • Wire Origination - Waived Monthly Service Fee!
  • Positive Pay - ACH & Check4
  1. Cash management services can be purchased separately. See Schedule of Fees and Charges for pricing and details. All services are subject to approval. 
  2. 1 (one) account is included in bundle price. Additional accounts are $40 each per month. 

Available Benefits and Services

Online & Mobile Banking

MB&T Business Online & Mobile Banking is powerful, secure, and user-friendly, giving you the control to check balances, transfer funds, make deposits, and pay bills from anywhere you're connected.

Learn more
A computer showing MB&T online banking features

Cash Management Services

From electronic transfers to enhanced account monitoring, we've got powerful tools for your business banking toolbox.
Learn more
A professional working woman showing a professional working man her laptop screen.

Payroll & Merchant Services

Our local payroll, merchant services, and cash vault partners share our commitment to providing exceptional customer service. Together, we prioritize the success of our business clients by delivering personalized solutions and reliable expertise.

Learn more
A working woman inserting a credit card into a portable credit card reader.

Ready to grow your business?

Whether you're looking to purchase equipment, improve your cash flow, or something in between a BizMaxSM Loan or Line of Credit may be the solution you're looking for.

Apply online and get a decision in minutes.

Learn more

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.

Two Montecito Bank and Trust associates taking photo together.
Business Lending

Does your business need a boost? We have loans and lines of credit that can get you where you need to be.

Learn more
Two people sit together on a bench and talk about a storybook in front of them.
Nonprofit Banking

Our nonprofit banking solutions are designed to help local nonprofits grow and thrive.

Learn more
A man holding his phone and a woman holding her credit card in a warehouse.
Business Credit Cards

Multiple cards - one easy to manage account. Earn cash back on every purchase!

Learn more