Cashback Checking
Watch your money grow! Start earning cashback rewards on your debit card purchases and get free ATM access throughout the U.S.1
- Mobile & Digital Banking
- Turn your card on & off with CardControl
- Send & receive cash with Zelle®
Footnotes
- For Cashback Checking, Access Checking, 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 point-of-sale (POS) fees charged by third-parties, such as other banking institution service providers. Deposit Account Terms and Disclosures [back]
- Qualifying transactions include debit POS transactions, BillPay, and Mobile Deposit. Cashback reward is capped at $20 per statement cycle. [back]
- 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. [back]
- Must have Online Banking to enroll in eStatements. [back]
- 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. [back]
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Compare Accounts
| 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 |
Everyday Checking
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 |
Cashback Checking
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 |
Access Checking
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 |
Private Access Checking
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 |
Additional Benefits & Services
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.
Overdraft Protection
We offer two options to protect your account from accidental overdrafts.
Overdraft Protection
Cashback Checking FAQ
| How do I eliminate the monthly maintenance fee for my Cashback Checking account? | There is a monthly maintenance fee on this account that can be waived by enrolling in electronic statements (eStatements) AND by having a minimum of fifteen (15) MasterMoney Debit card point-of-sale ("POS") transactions posted to the account within a statement cycle1 OR if the primary account holder's age is 14-19 years old.
|
| How do I enroll in eStatements for my Cashback 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 Cashback Checking account? | No, as a feature of your Cashback Checking account, you will not be charged for the use of non-MB&T ATMs. However, if using an ATM overseas, cross-border fees may apply. If you plan to frequently use your debit card overseas, please ask us about our Access Checking account. |
| What is the cashback reward on my Cashback Checking account? | You will receive $0.10 per qualified transaction. Qualified transactions include Point-of-sales (POS) debit card purchases, mobile deposit and bill pay transactions1. The cashback reward earned during a statement cycle will be totaled and credited to you at the end of your statement cycle. Cashback reward is capped at $20 per statement cycle.
|