Personal Checking

The right account makes all the difference.

How you manage your money is as unique as you are. We get it. That's why we provide a number of interest bearing and free checking options to choose from – because you shouldn't have to settle for a "one size fits all" account.

Need help finding the right account?  Try our Interactive Account Finder

eChecking

  • Go green and pay no maintenance fee if requirements are met.
  • Use any ATM you like anywhere in the USA free of charge1.
  • Student version is available for those 14 up to 19 years of age6.
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Free Checking

  • No minimum balance is required and no monthly maintenance fee2.
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Interest Checking

  • Earn a competitive rate of interest with unlimited access to your funds.
  • No monthly maintenance fee with qualifying balances.
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Access Checking

  • An all-in-one banking package that pays higher interest with higher balances.
  • No monthly maintenance fee with qualifying balances.
  • Use any ATM you like anywhere in the USA free of charge1.
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Private Access Checking

  • Available only to Wealth Management clients.
  • An all-in-one banking package that pays higher interest with higher balances.
  • Use any ATM you like anywhere in the USA free of charge1.
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Additional Services

ATM Access

Use the automated teller machines at any of our Montecito Bank & Trust branches, or open an eChecking, Access, or Private Access Checking account and use any ATM in the U.S. free of charge1.

FREE Online Banking, Mobile Banking3 and eStatements.

With our online and mobile banking services, you have secure access to your bank accounts to check balances, transfer money, reconcile your statement and export your banking information to Quicken®. By enrolling in eStatements, you’ll help the environment and save yourself time and money.

FREE Account Alerts

Stay on top of your finances between statements with our free account alerts. You set the balances and activity you want to monitor and notices are automatically delivered to your e-mail or online inbox.

FREE Online Bill Pay

The secure, fast and convenient way to pay bills without writing checks and paying for postage. It’s easy, and saves you time and money.

Chip Enabled Debit Cards

Chip enabled debit cards provide extra peace of mind when making point-of-sale transactions. Chip technology adds another layer of security when used at chip-enabled card readers by producing a unique code, making it extremely difficult to produce counterfeit cards.

FREE 24-7 Telephone Banking

Simply call (800) 608-1995 to handle your banking by phone, 24-7-365.

FREE Direct Deposit

This free service electronically deposits your paychecks, dividend checks, social security or government checks directly to your checking or savings account.

Overdraft Protection

We also offer overdraft protection products and services that will help you to avoid overdrawing your checking account and ensure that you pay as little as possible if you do. Our overdraft protection products and services include: Ready Cash Reserve4 and Savings Link5.


Need more information? Call us today at (805) 963-7511, or just stop by one of our convenient branch locations.

1. For eChecking, Access and Private Access Checking accounts only. Montecito Bank & Trust does not charge fees for use of any ATM within the United States, Guam, and Puerto Rico. In addition, we reimburse you for most ATM and POS fees charged by third-parties, such as other banking institution service providers. See our Deposit Account Terms and Disclosures for additional information. 2. Other fees such as overdraft fees and ATM surcharges may apply. See our Schedule of Fees & Charges for additional information. 3. 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. 4. Upon credit approval; fees apply. 5. Fees apply. 6. Adult signature is required to open account. At age 19, this account becomes an eChecking account and is subject to those account requirements.