Business Digital Banking

Business Online Banking

Montecito Bank & Trust offers two comprehensive online banking tools:

Basic Business Banker Online Banking – Free!

  • View account activity, monthly statements and images of cashed checks
  • View stop payment information (Fees apply to initiate a stop payment)
  • Transfer funds between your Montecito Bank & Trust accounts
  • Initiate Bill Payment transactions
  • Set up Account Alerts to automatically monitor balances and transactions.
  • Download transaction information to Quicken, QuickBooks or Microsoft Money

Business Banker Cash Management

Business Banker Cash Management offers all of our Basic Business Banker features and also lets you:

  • Originate an (ACH) electronic credit to another bank
  • Originate an (ACH) electronic debit from another bank to be credited to your account
  • Send electronic payments for Direct Deposit Payroll Deposits for your employees
  • Make Electronic payments to the IRS and Franchise Tax Board
  • Initiate Domestic and International wires in U.S. Dollars

Pricing for Business Banker Cash Management available upon request.

Enroll in Business Banker View Demo

Free Business Mobile Banking*

Mobile Business Banker is a free service for users of Montecito Bank & Trust’s online Business Banker. Mobile Business Banker lets you:

  • Access your Montecito Bank & Trust accounts.
  • Check account balances.
  • Check account activity.
  • Transfer money between your Montecito Bank & Trust accounts.
  • Initiate wire transfers (Business Banker Cash Management customers only).
  • Review and approve pending transactions.
  • Locate branches and ATMs.

Note: You must be enrolled in Montecito Bank & Trust’s Business Banker to use Mobile Business Banker.

Enroll in Business Banker View Demo

* 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.

Free Business Bill Pay

Free Business Bill Pay saves you time and helps keep your accounts payables in order. You control when your payment should be made so you can set up your payment in advance, but have the comfort of knowing when funds in your account will be debited. And, you can make payments from multiple business checking accounts.

Note: You must be enrolled in Montecito Bank & Trust's Business Banker to use Business Bill Pay.

Log in to get started Enroll in Business Banker View Demo

Enroll Your Business Accounts in eStatements

Enroll Accounts Now

More information about eStatements

Compared to paper statements, free eStatements are:

  • Environmentally friendlier - they save trees
  • Less wasteful - they help reduce the clutter on your desk and in your filing cabinet
  • Safer than mail delivery - they can't be lost or stolen from your mailbox
  • Identical to mailed copies - including account messages, statement inserts, reconciliation form, and check images, if you normally receive check images with your paper statement
  • Available days faster than mailed statements
  • Stored securely online, with up to 2.5 years of history available through online banking

Yes, any year-end tax statements will be mailed out.

Yes. Access to your eStatements is available on any computer with Internet and email access. You will need the free Adobe Reader software to view and print your eStatements. Most computers already have Adobe Reader installed, but if needed you may download and install it from the following website: get.adobe.com/reader/

Get Adobe Reader

Yes, your eStatements include the statement back.

No, we can only send the notice to one designated email address.

Yes, you can cancel eStatements and go back to receiving paper statements if you choose.

Please contact Montecito Bank & Trust at 800-348-0146 and our Online Banking Support Team will be happy to assist you. Certain fees may apply.

You will have access to up to 2.5 years online, beginning the first month after your account is enrolled in eStatements. Montecito Bank & Trust archives account statements for at least seven years and you may obtain copies of your statements by contacting us at 800-348-0146. Certain fees may apply.

You may download or print your statement, just like you would any other document from your computer.

Please contact our Online Banking Support Team at 800-348-0146 to verify your email address. However, your eStatement will still be available within online banking under the Documents tab for each account.

Yes! For your convenience, statement stuffers and other notices normally mailed with paper statements are included with your eStatements.

Yes, our eStatements are identical to our paper statements.

Personal online banking users can update their email address under the Options menu while logged in. Business online banking users, please call Montecito Bank & Trust at 800-348-0146 and our Online Banking Support Team will be happy to assist you.

One of the many benefits of eStatements is you will receive your bank statements faster than waiting for mail delivery! As soon as your eStatement is ready you will be notified via email.

Log in to online banking, click on the Accounts menu to view your list of accounts and select the account you want to view (or simply click the account link from the main screen, if shown), select the Documents menu link, and click on the Checking Electronic Statement link. You can then choose the eStatement you wish to view. You will need to be able to view a PDF document. If you are unable to view the eStatement please download and install the free Adobe Reader from the following website: get.adobe.com/reader/

Get Adobe Reader

No, there is no option to receive eStatements and paper statements simultaneously.

There is a no charge for eStatements.

Yes, you must be a Montecito Bank & Trust online banking customer to receive eStatements.

You will receive eStatements for each of your Montecito Bank & Trust accounts that you enroll.

You must first be an online banking customer. If you are not enrolled in online banking, please complete this process first (look for the Enroll button on any page of our website to get started). Consumers may sign-up automatically on our website, and businesses can download an application. Once enrolled in online banking, click the green eStatement Enrollment button on any page of our website to get started.

Current online banking users can enroll for eStatements on our website. Just look for the green enrollment button to begin!

Security is one of the many benefits of eStatements. Montecito Bank & Trust is always concerned about the security of your information. Access to your eStatements is gained through your login to online banking and its use of multi-layered authentication. eStatements also eliminate the possibility of statements being lost or tampered with in the mail.

Instead of receiving paper statements through the mail you will go to your Montecito Bank & Trust account to access your statements electronically. An email notice will be sent to the email address you provide when your current statement is ready to be viewed. Your past statements will accumulate and be viewable for up to 2.5 years. You will need to be able to view a PDF document. If you are unable to view the eStatement please download and install the free Adobe Reader from the following website: get.adobe.com/reader/

An eStatement is an identical electronic version of your regular paper bank statement.

Learn More

For additional information and help understanding eStatements, please contact us at (800) 348-0146 and we will be happy to assist you.