Personal Digital Banking

Free Personal Online Banking

With online banking your accounts are ready when you are – 24/7, 365. Our eStatements give you the peace of mind that comes from knowing you'll never have to go digging just to find that one missing statement buried at the bottom of the shoebox. By paying your bills online, you'll never have to buy stamps again. And with Mobile Banker you can use your cell phone to access your accounts whenever and wherever you wish.

Account Management

Check balances, print statements and transfer funds at your convenience from any computer with Internet access. Use our Spending Report, a Personal Financial Management tool that automatically categorizes most of your transactions so you can see exactly where your money goes in easy-to-read charts! Set up Account Alerts to monitor balances and transactions, with delivery to your online banking inbox or to any email-enabled device (including your smartphone). Transfer money to your accounts at other institutions, or send payments by email to any other person with a bank account in the U.S.

Enroll now   View Demo

MB&T Mobile App*

With the free MB&T Mobile banking app, you can view your accounts, including those from other financial institutions, conveniently deposit checks, keep track of and enrich your transactions, and pay bills all from one powerful app.




Get the MB&T Mobile App  Supports:  iOS,  Android


* 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.
** Please check with your wireless carrier for Internet access rates and plans.

Free Bill Pay

With Bill Pay, you'll have access to lots of great features.

  • Easy Payee Set Up. Adding a new payee is as easy as typing in your account number and the Payee's phone number and ZIP Code. No account number? Then add just a little more info and you're ready. No more hunting down mailing addresses!
  • Make recurring payments. Eliminate the hassle of paying your monthly bills by setting up recurring payments. This is a great option for making payments that don't change from month to month - such as your car payment or mortgage.
  • e-Notifications. Receive notifications to your email when a payment or transfer is about to be made or when one has been processed. You'll always know what's happening with your account.
  • Set up reminders. Never make a late payment again! When you set up reminders, you'll receive a message telling you when your payment is due. Then just log on and make your payment.
  • Pay from multiple checking accounts. Choose which account from which to pay your bills.
  • Categories. Assign Accounts to Categories for Easier Payment Processing.
  • See it all at a glance! The Payment tab lets you make payments and view pending payments, recent payments, and bill reminders all on the same screen. Or, see the total of your payments for any given day just by glancing at the calendar.
  • Interbank Transfers. Transfer money to your accounts at any other U.S. financial institution.
  • Email Payments. Send payments by email to any person with a bank account in the U.S.


Log in to get started   View Demo

Enroll Your Personal 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 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 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:

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