Earn cash back on everyday spending and enjoy free ATM access anywhere in the US1.
The Details
|
Key Features |
|
|---|---|
|
Monthly Maintenance Fee |
$15 |
|
How to Avoid Monthly Maintenance Fee |
|
|
Free MB&T ATM Access |
|
|
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 |
- 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.
Learn moreDebit Card with CardControl
A contactless debit card that you can manage in our app and add to your digital wallet.
Learn moreOverdraft Protection
Peace of mind comes standard with our easy and convenient overdraft protection options.
Learn moreRelationship Money Market Qualified
Get bonus interest on your Money Market account by having a qualifying checking account with us.
Learn moreLooking for something else?
| empty |
Everyday Checking |
Cashback Checking Student Version Available6
|
Access Checking |
Private Access Checking |
|---|---|---|---|---|
| Account Type | ||||
| empty | 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 | ||||
| action buttons | ||||
- 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.
Have any questions?
We're here to help.
Additional Services
Ready to explore? Here are some more great options we think you'll love.
