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

Nonprofit

Community Dividends^® Checking

With free checking + interest, this account is a win-win for your nonprofit.

A working man showing his table to a working woman who is holding paper.

A simple interest checking account specially designed for local 501(c)(3) nonprofits.

The Details

Key Features	Pays interest No monthly maintenance fee No balance requirements
Monthly Maintenance Fee	None
Minimum Opening Balance	$50
Interest	Yes
Per Item Fee(s)	Up to 150 free processed transaction items¹ per month Additional items are $0.40 each
Online Bill Pay	FREE
Online and Mobile Banking²	FREE Cash Management services including Wire Transfers, ACH Services, Remote Deposit Capture, and Positive Pay are available for additional fees³.

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).
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.
Schedule of Fees and Charges