Personal Checking Accounts

One size does not fit all - we get it. Our accounts are designed to meet your individual needs and let you control how you manage your money. All while having the convenience, efficiency, and level of service you want.

  • Mobile & Digital Banking
  • Relationship Rewards
  • Personalized Service

Checking Account Types

  • Everyday Checking

    Go green and pay no maintenance fees if requirements are met.

  • Cashback Checking

    Get cashback rewards and free ATM access.1

  • Access Checking

    An all-in-one account package with access to premier account services.

  • Private Access

    An all-in-one account, reserved for our Wealth Management clients.

1. 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) transaction fees charged by third-parties, such as other banking institution service providers. See Deposit Account Terms and Disclosures for additional information.


Everyday Checking Cashback Checking
Student Version Available1
Access Checking Private Access Checking
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 $22 $0
How to Avoid Monthly Maintenance Fee Enroll in eStatements3 OR Primary account holder’s age is 65 or greater 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 CardValet®
Send & receive cash with MB&T SimplePay®
Free Direct Deposits
Free Account Alerts
Free 24/7 Telephone Banking
Overdraft Protection Available
HEAL Auto-Debit Discount5 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 Use2
Cashback Rewards6 $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

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 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) transaction fees charged by third-parties, such as other banking institution service providers. 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.To qualify for the HEAL Auto-Debit Discount, you must automate your HEAL payments from a Montecito Bank & Trust personal checking account. 6. Qualifying transactions include debit POS transactions, Bill Pay, and Mobile Deposit. Cashback reward is capped at $20 per statement cycle.

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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:

  • ATM Access
  • FREE Digital & Mobile* Banking, plus eStatements
  • FREE Account Alerts
  • FREE Online Bill Pay
  • FREE 24-7
    Telephone Banking
  • FREE Direct Deposit
  • Overdraft Protection

* Your mobile carrier's text messaging and web access charges may apply.


Order Checks

You can easily order new checks for yourself or your business through one of the links below.


Looking to remodel your home? Investing in your child's future?

A Home Equity Line of Credit from Montecito Bank & Trust could be your solution.

Apply for our limited time low introductory rates today!

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