Access Checking

Designed for clients with higher balances, this all-in-one package earns interest and offers free ATM access anywhere in the US. Plus, you get a host of complementary benefits beyond our standard services for even more convenience.

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The Details

Key Features	No monthly maintenance fee with qualifying balances Earns interest Complimentary services Qualifies for an interest bonus on a Relationship Bonus Money Market
Monthly Maintenance Fee	$25
How to Avoid Monthly Maintenance Fee	$10,000 minimum daily balance OR $25,000 average available balance
Free MB&T ATM Access	Yes! See all of our ATM locations here
Out of Network ATM Access	Non-MB&T ATM fees waived¹
Earns Interest	Yes
Complimentary Services	Free incoming wires Free notary services No fee cashiers checks Two free check orders per year (selected styles) Check images are returned with statement (upon request) Refunded debit card cross-boarder and foreign currency conversion fees²
Online and Mobile Banking³	Free! See the services included here

Montecito Bank & Trust waives the fees for the use of non-MB&T ATMs when the fee or surcharge is identified as a separate transaction.
Refunds will be credited to your account the same business day your account is charged for the Cross Border Fee or Foreign Currency Conversion Fee.
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.

More Benefits

Online & Mobile Banking

Securely manage your accounts at your fingertips with Online & Mobile Banking.

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Debit Card with CardControl

A contactless debit card that you can manage in our app and add to your digital wallet.

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Overdraft Protection

Peace of mind comes standard with our easy and convenient overdraft protection options.

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Relationship Money Market Qualified

Get bonus interest on your Money Market account by having a qualifying checking account with us.

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Looking for something else?

Compare account details

Account Type
empty	Everyday Checking	Cashback Checking Student Version Available¹	Access Checking	Private Access Checking
empty	Go green with eStatements	Get cashback rewards²	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 eStatements and maintain $500 minimum daily balance³ OR Primary account holder’s age is 65 or greater OR Account is a Formal Trust	Enroll in eStatements³ AND complete 15 or more debit card transactions each statement cycle OR primary account holder's age is 14-24 years old¹	$10,000 minimum daily balance OR $25,000 average available balance	N/A
Free Online & Mobile Banking⁴
Free Online Bill Pay
Manage your Debit Card 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 Use⁵		Refund up to $15/month
Cashback Rewards²		$0.10 per qualifying transaction
For Youth 14-19[invalid footnote]
Interest Earning			Yes, see the Deposit Rate Summary for details.	Yes, see the Deposit Rate Summary for details.
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
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The Student version is a debit card only account, no checks will be issued. Adult signature is required to open an account. At age 25, this account becomes a Cashback Checking non-student account and is subject to those account requirements.
Qualifying transactions include debit POS transactions, BillPay, and Mobile Deposit. Cashback reward is capped at $20 per statement cycle.
Must have Online Banking to enroll in eStatements.
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.
For Access Checking and Private Access Checking accounts, Montecito Bank & Trust waives the fees for the use of non-MB&T ATMs when the fee or surcharge is identified as a separate transaction. For Cashback Checking, if you use a non-MB&T ATM, MB&T will charge a fee in addition to the fee or surcharge that may be assessed by the ATM owner/operator. MB&T will refund up to $15 in total fees or surcharges per statement cycle when the ATM/POS fee or surcharge is identified as a separate transaction.