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Personal Checking

Cashback Checking

Earn cash back for everyday transactions.

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Earn cash back on everyday spending and enjoy free ATM access anywhere in the US1.

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The Details

Key Features
  • Cashback rewards with each qualifying transaction2
  • Student version is available for those 14-193
  • No minimum balance requirement
  • Qualifies for an interest bonus on a Relationship Bonus Money Market
Monthly Maintenance Fee
  $15
How to Avoid Monthly Maintenance Fee
  • Enroll in eStatements4 AND
  • 15 or more debit card point of sale transactions posted in a statement cycle OR
  • Primary account holders age is 14-19 years old
Free MB&T ATM Access
  • Yes! See all of our ATM locations here
Out of Network ATM Access
 MB&T fee waived, non-MB&T ATM fees reimbursed
Earns Interest
 No
Cashback Rewards
 $0.10 for each qualifying transaction
Online and Mobile Banking5
 Free! See the services included here
  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.
  2. Qualifying transactions include debit POS transactions, BillPay, and Mobile Deposit. Cashback reward is capped at $20 per statement cycle.
  3. The Student version is a debit card only account, no checks will be issued. Adult signature is required to open an account. At age 20, this account becomes a Cashback Checking non-student account and is subject to those account requirements.
  4. Must have Online Banking to enroll in eStatements.
  5. 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.

Learn more

Looking for something else?

Everyday Checking
 Cashback Checking
Student Version Available6
 Access Checking
 Private Access Checking
Account Type
Go green and pay no maintenance fee if requirements are met Get cashback rewards and free ATM access7
 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 eStatements8 OR Primary account holder’s age is 65 or greater OR Account is a Formal Trust Enroll in eStatements8 AND complete 15 or more debit card transactions each statement cycle OR primary account holder's age is 14-19 years old6 $10,000 minimum daily balance OR $25,000 average available balance N/A
Free Online & Mobile Banking9
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 Use7
Cashback Rewards10 $0.10 per qualifying transaction
For Youth 14-196
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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  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.
  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 see Deposit Account Terms and Disclosures for additional information.
  3. Must have Online Banking to enroll in eStatements.
  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.
  5. Qualifying transactions include debit POS transactions, BillPay, and Mobile Deposit. Cashback reward is capped at $20 per statement cycle.

Have any questions?

We're here to help.

Schedule an appointment ATM & branch locations Call us at (805) 963-7511

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