Cashback Checking

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

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 Beginning March 16, 2026, the Monthly Maintenance Fee will be waived for primary account holders age 14-24.
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 Beginning March 16, 2026 ATM fees reimbursements will be capped at $15 per statement cycle. Click here for more information.
Earns Interest	No
Cashback Rewards	$0.10 for each qualifying transaction
Online and Mobile Banking⁵	Free! See the services included here

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.
Qualifying transactions include debit POS transactions, BillPay, and Mobile Deposit. Cashback reward is capped at $20 per statement cycle.
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.
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.

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?

Compare account details

Account Type
empty	Everyday Checking	Cashback Checking Student Version Available¹	Access Checking	Private Access Checking
empty	Go green and pay no maintenance fee if requirements are met	Get cashback rewards and free ATM access²	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 eStatements³ 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 14-19 years old¹	$10,000 minimum daily balance OR $25,000 average available balance	N/A
Free Online & Mobile Banking⁴
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 Use²
Cashback Rewards⁵		$0.10 per qualifying transaction
For Youth 14-19¹
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
action buttons	Open online Learn more	Open online Learn more	Open online Learn more	Open online Learn more

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.
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.
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.
Qualifying transactions include debit POS transactions, BillPay, and Mobile Deposit. Cashback reward is capped at $20 per statement cycle.