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.
ClickSWITCH® is the fast and secure way to switch your automatic payments and direct deposits to your new or existing account.
| 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 |
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 |
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 |
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 |
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 |
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:
* Your mobile carrier's text messaging and web access charges may apply.
We offer two options to protect your account from accidental overdrafts.
| 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. |