Everyday Checking is a basic checking account that comes with standard benefits like a debit card that doubles as an ATM card. It also gives you full access to Online and Mobile Banking which offers a suite of powerful tools and apps to easily track your spending, pay bills, send money, deposit checks and more.
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 | ||||
| HEAL Auto-Debit Discounte | 0.250% | 0.250% | 0.500% | 0.500% |
| Unlimited Access to Funds | ||||
| Free Combined Statement Upon Request | ||||
| Free MB&T ATM Access | ||||
| Free Out of Network ATM Useb | ||||
| Cashback Rewardsf | $0.10 per qualifying transaction | |||
| For Youth 14-19a | ||||
| Interest Earning | Deposit Rate Summary | 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.
| How do I eliminate the monthly maintenance fee for my Everyday Checking account? | There is a monthly maintenance fee on this account that can be waived by enrolling in electronic statements (eStatements) OR if the primary account holder is age 65 or over, the account will be eligible for a waiver of the monthly service charge.1
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| How do I enroll in eStatements for my Everyday 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 Everyday Checking account? | You will be charged a $2.00 fee in addition to the fee that may be assessed by the ATM provider.1 If you are a frequent ATM user, please ask us about our Cashback or Access Checking accounts, which offer unlimited ATM access.
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