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Business

Small Business Month

Big solutions for small business!

Up to $2,060 in Savings!

Montecito Bank loves small business

MB&T is celebrating local small businesses with a special offer this Small Business Month! Our scalable and customizable business solutions include everything from competitive credit options to smart cash management tools. Let's get that cash flow flowing!

Cash Management Services

Save up to $840

Monthly service fee waived on ACH & Wire Origination, Remote Deposit, and Positive Pay

BizMax® Loans & Lines of Credit

Save $250

Reduced rate and processing fee waived. Apply online!

Business Credit Cards

$250 credit

Statement credit when you spent $5,000 in the first 90 days. Apply online!

Payroll Services from Paychex®

Save $350

$200 off setup, free Labor Law poster ($150), and one month free!1

Merchant Services from Payroc

Save $370

$250 statement credit, $10 monthly fee waived for same-day funding for first 12 months, and more!2

Cash Management Services

Save up to $840

Monthly service fee waived on ACH & Wire Origination, Remote Deposit, and Positive Pay

BizMax® Loans & Lines of Credit

Save $250

Reduced rate and processing fee waived. Apply online!

Business Credit Cards

$250 credit

Statement credit when you spent $5,000 in the first 90 days. Apply online!

Payroll Services from Paychex®

Save $350

$200 off setup, free Labor Law poster ($150), and one month free!1

Merchant Services from Payroc

Save $370

$250 statement credit, $10 monthly fee waived for same-day funding for first 12 months, and more!2

  1. $200 Off Set-Up Fees

    The $200 Off Set-Up Fee Paychex 2025 Promotion (the “Promotion”) for MB&T clients will run from May 1, 2025 to June 30, 2025 (the “Promotion Period”) unless ended earlier by Paychex and is subject to the following terms and conditions. The Promotion shall consist of a two-hundred dollar ($200.00) discount from the set-up fee for Paychex payroll processing, tax payment, employee pay, and any payroll service bundle (the “Services”) to all Eligible Clients. An Eligible Client shall be a business owner who is (1) not currently receiving the Services from Paychex; (2) is referred to Paychex by MB&T during the Promotion Period; (3) enters into a Services’ Agreement (“Agreement”); and (4) processes their first payroll with Paychex by July 31, 2025. MB&T customers who process payroll on a quarterly or annual basis are not eligible for the Promotion. Eligible Clients must be receiving the Services pursuant to the Agreement to receive the Promotion. The Promotion is not redeemable in U.S. currency or for any other entity. The Promotion applies only to the Services, and Eligible Client shall be solely responsible for all fees due for services other than the Services. The maximum discount permitted in combination with the Promotion is fifteen percent (15%). Except as agreed to by Paychex this Promotion cannot be combined with other offers.

    One Month Free Payroll

    The One Month Free Payroll Over One Year Promotion for MB&T Clients (the “Promotion”) will run from April 1, 2025, until June 30, 2025 (the “Promotion Period”), unless terminated earlier by Paychex, Inc. (“Paychex”) and is subject to the following terms and conditions. The Promotion is available to Eligible Clients (as defined below) of MB&T that have an active referral partnership agreement with Paychex (each, a “Financial Institution) and will consist of one (1) month of free payroll services.

    An “Eligible Client” is a banking customer of MB&T that: (1) is not currently receiving payroll services from Paychex; (2) is referred to Paychex by a representative of MB&T during the Promotion Period; (3) elects either the Paychex Flex® Enterprise, Pro or Select payroll services package by entering into a service agreement with Paychex; (4) has between 1–250 employees at the time it commences payroll services; (5) processes its first payroll with Paychex on or before July 31, 2025; and (6) continues to process payroll with Paychex for twelve (12) consecutive months.

    Paychex will credit an Eligible Client’s invoice for free payroll services in month two (2) following commencement of payroll processing services. An Eligible Client must be processing payroll with Paychex in order to receive one month of free payroll services, and any unused month is not redeemable in U.S. currency or for any other entity. The Promotion only applies to payroll services, and Eligible Clients will be solely responsible for all fees due for services other than payroll services. The Promotion cannot be combined with any other offer and is a limited time offer that is only available during the Promotion Period. For businesses with 251+ employees, ask about Paychex’s other special offers.

    Additional costs and restrictions may apply.

    Paychex services provided by Paychex, Inc., a third-party vendor. Paychex bank referral partners are not affiliates of Paychex, Inc. and do not provide, warrant, or guarantee its products or services. Paychex Flex® is a registered trademark of Paychex, Inc. Paychex® is a registered trademark of Paychex, Inc

  2. One-time $250 statement credit on your new merchant account when linked to an MB&T business checking account. Statement credit will be applied 30–45 days after activation. 

    Waived monthly fee for same day funding for first 12 months when linked to an MB&T business checking account ($120 annual value).

    Payroc will meet or beat your current credit card processing rate—or you get $500! Total savings based on annual reductions in payment processing fees for bank clients on the Payroc program. Offer not available to merchants with flat-rate pricing, franchisee or association pricing, or that do not qualify for approval under standard credit requirements.

    Payroc is a registered Independent Sales Organization (ISO) of Fifth Third Bank, N.A., Peoples Trust Company, Vancouver, Canada, Wells Fargo Bank, N.A., Concord, CA., and Wells Fargo Bank, N.A., Canadian Branch, Toronto, ON, Canada. Payroc is a registered Encryption Support Organization (ESO), Payment Facilitator (PF), Third Party Servicer (TPSV), Merchant Service Provider (MSP), Third party Agents (TPA) of Fifth Third Bank, N.A.