From management and reporting to collections and payments, our full-service suite of cash management solutions lets you efficiently control your incoming and outgoing cash flows through an extensive range of electronic and paper-based services.

Lockbox Services  Merchant Services  Remote Deposit Capture  Night Depository

Montecito Bank & Trust's lockbox solution

Lockbox Services

Simple. Convenient. Affordable.

When it comes to processing payments, one size does not fit all. That's why Montecito Bank & Trust offers a variety of mail-based remittance processing options. Whatever your industry, one of our experienced business bankers will work with you to design a customized lockbox solution. Outsource your payment processing to accelerate your cash flow and improve your bottom line.


  • Lower operating expenses and reduced payment risk
  • Fewer in-house payments saves time, improves customer service and reduces errors
  • Flexible and customized industry-specific solutions
  • Reduced mail float with a Southern California post office box picked up three times daily
  • Reduced availability and processing float with leading-edge mail handling, image capture and encoding equipment
  • Improved reporting with a variety of delivery options

How it works

Your customers mail their payments to a secure PO Box in Southern California. Envelopes are picked up and checks, coupons, and other remittance documents are extracted and captured. Items requiring keying, correction or balancing are identified and addressed. Checks are encoded, deposited and posted to your account.

Ready to Get Started?

To find out more, call us at (805) 963-7511, or just stop by one of our convenient branch locations.