Access Checking

Designed for clients with higher balances, this all-in-one package is also interest bearing. Plus you can get a host of complimentary benefits beyond our standard services, for even more convenience.

  • Mobile & Digital Banking
  • Turn your card on & off with CardControl
  • Send & receive cash with Zelle®
  1. For Cashback Checking, Access Checking and Private Access Checking accounts only. Montecito Bank & Trust does not charge fees for the use of any MB&T or non-MB&T ATMs. In addition, we reimburse you for ATM and point of sale (POS) fees charged by third parties if the third party identifies the fee or surcharge as a separate transaction. Please see Deposit Account Terms and Disclosures for additional information.

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Everyday Checking Cashback Checking Access Checking Private Access Checking
Go green and pay no maintenance fee if requirements are met Get cashback rewards and free ATM accessb

Student Version Availablea

An all-in-one banking package with access to premier account services An all-in-one account, reserved for our Wealth Management Clients
Monthly Maintenance Fee $8 $15 $25 $0
How to Avoid Monthly Maintenance Fee Enroll in eStatementsc OR Primary account holder’s age is 65 or greater OR Account is a Formal Trust Enroll in eStatementsc AND complete 15 or more debit card transactions each statement cycle OR primary account holder's age is 14-19 years olda $10,000 minimum daily balance OR
$25,000 average available balance
N/A
Free Online & Mobile Bankingd
Free Online Bill Pay
Turn your card on / off with CardControl
Send & receive cash with Zelle®
Free Direct Deposits
Free Account Alerts
Free 24/7 Telephone Banking
Overdraft Protection Available
Unlimited Access to Funds
Free Combined Statement Upon Request
Free MB&T ATM Access
Free Out of Network ATM Useb
Not Provided
Cashback Rewardse
Not Provided
$0.10 per qualifying transaction
Not Provided
Not Provided
For Youth 14-19a
Not Provided
Not Provided
Not Provided
Interest Earning
Not Provided
Not Provided
Deposit Rate Summary Deposit Rate Summary
Free Notary Services
Not Provided
Not Provided
Free Incoming Wires
Not Provided
Not Provided
Cross Border Fee Refunded
Not Provided
Not Provided
Foreign Currency Conversion Fee Refunded
Not Provided
Not Provided
Free Cashier's Checks
Not Provided
Not Provided
Free Checks
Not Provided
Not Provided
Free Safe Deposit Box
Not Provided
Not Provided
Not Provided

Everyday Checking

Go green and pay no maintenance fee if requirements are met

Monthly Maintenance Fee
$8
How to Avoid Monthly Maintenance Fee
Enroll in eStatementsc OR Primary account holder’s age is 65 or greater OR Account is a Formal Trust
Free Online & Mobile Bankingd
Free Online Bill Pay
Turn your card on / off with CardControl
Send & receive cash with Zelle®
Free Direct Deposits
Free Account Alerts
Free 24/7 Telephone Banking
Overdraft Protection Available
Unlimited Access to Funds
Free Combined Statement Upon Request
Free MB&T ATM Access
Free Out of Network ATM Useb
Cashback Rewardse
For Youth 14-19a
Interest Earning
Free Notary Services
Free Incoming Wires
Cross Border Fee Refunded
Foreign Currency Conversion Fee Refunded
Free Cashier's Checks
Free Checks
Free Safe Deposit Box

Cashback Checking

Get cashback rewards and free ATM accessb

Student Version Availablea

Monthly Maintenance Fee
$15
How to Avoid Monthly Maintenance Fee
Enroll in eStatementsc AND complete 15 or more debit card transactions each statement cycle OR primary account holder's age is 14-19 years olda
Free Online & Mobile Bankingd
Free Online Bill Pay
Turn your card on / off with CardControl
Send & receive cash with Zelle®
Free Direct Deposits
Free Account Alerts
Free 24/7 Telephone Banking
Overdraft Protection Available
Unlimited Access to Funds
Free Combined Statement Upon Request
Free MB&T ATM Access
Free Out of Network ATM Useb
Cashback Rewardse
$0.10 per qualifying transaction
For Youth 14-19a
Interest Earning
Free Notary Services
Free Incoming Wires
Cross Border Fee Refunded
Foreign Currency Conversion Fee Refunded
Free Cashier's Checks
Free Checks
Free Safe Deposit Box

Access Checking

An all-in-one banking package with access to premier account services

Monthly Maintenance Fee
$25
How to Avoid Monthly Maintenance Fee
$10,000 minimum daily balance OR $25,000 average available balance
Free Online & Mobile Bankingd
Free Online Bill Pay
Turn your card on / off with CardControl
Send & receive cash with Zelle®
Free Direct Deposits
Free Account Alerts
Free 24/7 Telephone Banking
Overdraft Protection Available
Unlimited Access to Funds
Free Combined Statement Upon Request
Free MB&T ATM Access
Free Out of Network ATM Useb
Cashback Rewardse
For Youth 14-19a
Interest Earning
Deposit Rate Summary
Free Notary Services
Free Incoming Wires
Cross Border Fee Refunded
Foreign Currency Conversion Fee Refunded
Free Cashier's Checks
Free Checks
Free Safe Deposit Box

Private Access Checking

An all-in-one account, reserved for our Wealth Management Clients

Monthly Maintenance Fee
$0
How to Avoid Monthly Maintenance Fee
N/A
Free Online & Mobile Bankingd
Free Online Bill Pay
Turn your card on / off with CardControl
Send & receive cash with Zelle®
Free Direct Deposits
Free Account Alerts
Free 24/7 Telephone Banking
Overdraft Protection Available
Unlimited Access to Funds
Free Combined Statement Upon Request
Free MB&T ATM Access
Free Out of Network ATM Useb
Cashback Rewardse
For Youth 14-19a
Interest Earning
Deposit Rate Summary
Free Notary Services
Free Incoming Wires
Cross Border Fee Refunded
Foreign Currency Conversion Fee Refunded
Free Cashier's Checks
Free Checks
Free Safe Deposit Box
  1. The Student version is a debit card only account, no checks will be issued. Adult signature is required to open account. At age 20, this student account becomes a general Cashback Checking account and is subject to those account requirements. [back]
  2. For Cashback Checking, Access Checking and Private Access Checking accounts only. Montecito Bank & Trust does not charge fees for the use of any MB&T or non-MB&T ATMs. In addition, we reimburse you for ATM and point of sale (POS) fees charged by third parties if the third party identifies the fee or surcharge as a separate transaction. Please Deposit Account Terms and Disclosures [back]
  3. Must have Online Banking to enroll in eStatements. [back]
  4. 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. [back]
  5. Qualifying transactions include debit POS transactions, Bill Pay, and Mobile Deposit. Cashback reward is capped at $20 per statement cycle. [back]

Additional Benefits & Services

We know there are certain features you need to have to bank efficiently, beyond just having an account.

Here are some of the ones we offer for any MB&T account:

  • ATM Access
  • FREE Digital & Mobile* Banking, plus eStatements
  • FREE Account Alerts
  • FREE Online Bill Pay
  • FREE 24-7
    Telephone Banking
  • FREE Direct Deposit
  • Overdraft Protection

* Your mobile carrier's text messaging and web access charges may apply.


Overdraft Protection

We offer two options to protect your account from accidental overdrafts.


Access Checking FAQ

How do I eliminate the monthly maintenance fee for my Access Checking account? There is a monthly maintenance fee on this account that can be waived by maintaining a minimum daily balance of at least $10,000 OR an average available balance of at least $25,000. The average available balance is calculated by adding the principal in the account for each day of the cycle, minus funds that are not yet collected and available due to float, and dividing that figure by the number of days in the cycle. Refer to the Schedule of Fees & Charges for current fees associated with this account.
How do I enroll in eStatements for my Access Checking account? First, you must enroll in Online Banking. To do so, visit our home page and select "Enroll in Online Banking" in the Personal tab (or click here). Please have your Account number, Social Security number and Date of Birth to enroll.
How do I find my checking account number? Your account number was provided to you when you opened your account and can be found in your new account packet or on any checks you have linked to your checking account. You may also visit any of our local branches or call our Service Center at 1-800-348-0146.
Is there a fee for using a non-Montecito Bank & Trust (MB&T) ATM with my MB&T debit card that is linked to my Access Checking account? No, as a feature of your Access Checking account, you will not be charged for the use of non-MB&T ATMs. Fees are only waived for ATMs in US, Guam, and Puerto Rico.