Interest Checking

When you need something more than just "free" our Interest Checking fits the ask. Earn a competitive rate of interest while also enjoying our standard free services.

  • FREE Digital & Mobile* Banking, plus eStatements
  • FREE Account Alerts
  • FREE Online Bill Pay
  • *Your mobile carrier's text messaging and web access charges may apply.

1. 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. 2. Fees apply for check images, please refer to our Schedule of Fees & Charges.