Business Overdraft Protection

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

Being prepared is always a good thing. You can link your checking account to a second account for automatic coverage when you need it.

Savings or Line of Credit Link

Option
empty	Savings Link	Ready Cash Reserve (RCR)
Overdraft Coverage	Link your checking account to your Montecito Bank & Trust savings account.	Link your checking account to a business line of credit that is specifically reserved for checking overdraft protection.
How does it work?	If you accidentally overdraw your checking account, funds to cover your specific checking balance shortages will transfer from the checking, savings or money market account you designate, up to the available balance in that account.	Link your checking account to a personal line of credit that is specifically reserved for checking overdraft protection.
Purpose	A back up plan for your MB&T checking account.	Whether it's saving you from the headaches returned checks and non-sufficient funds fees can cause or adding a little extra spending power to your budget – RCR is there when you need it.
Fees	None	$25 annual fee
How to get started?	Contact your Personal Banker or call our Service Center at (805) 963-7511 Mon-Fri 8am-6pm.	Learn more

Iphone screen that is showing text alerts based on recent card transaction.

Alerts Made Easy

We make it easy to receive custom alerts by email, text, or mobile notification for the transactional activity that's important to you. In Online or Mobile Banking, go to More Options - Alerts to add alerts for anything from balances to profile changes.