Reserved for MB&T Wealth Management clients, Private Access Checking is a premier interest checking account package with access to signature account services and free ATM access anywhere in the US1.
The Details
| Key Features |
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|---|---|
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Free MB&T ATM Access |
Yes! See all of our ATM locations here |
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Out of Network ATM Access |
MB&T fee waived, non-MB&T ATM fees reimbursed PLUS refunded
debit card cross border and foreign currency convenience fees2 |
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Earns Interest |
Yes |
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Complimentary Services |
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Online and Mobile Banking3 |
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.
- 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. Refunds will be credited to your account the same business day your account is charged for the Cross Border Fee or Foreign Currency Conversion Fee.
- 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 Available4
|
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 access5 |
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 eStatements6 OR Primary account holder’s age is 65 or greater OR Account is a Formal Trust | Enroll in eStatements6 AND complete 15 or more debit card transactions each statement cycle OR primary account holder's age is 14-19 years old4 | $10,000 minimum daily balance OR $25,000 average available balance | N/A |
| Free Online & Mobile Banking7 | ||||
| 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 Use5 | ||||
| Cashback Rewards8 | $0.10 per qualifying transaction | |||
| For Youth 14-194 | ||||
| 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.
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