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Personal Credit Card

Classic Secured Credit Card

The card that helps you establish or rebuild your credit.

A man's hand scanning Montecito Bank and Trust classic secured credit card on reader.
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Montecito Bank and Trust classic secured credit card.

Let's take the first step to building your credit – together!

No Annual Fee
Online Account Access
Digital Wallet Compatible

How does it work?

1. Apply & provide a deposit

If approved, secure your line with an equal deposit. That means a $500 deposit for a $500 credit line, etc. up to $5,000.

2. Build your credit responsibly

Pay your balance in full each month by the due date to avoid interest on purchases. Make it easy with autopay through our online credit card portal!

3. Convert to an unsecured card

Using credit responsibly across all your credit cards may qualify you to get your security deposit back and convert to an unsecured card.

1. Apply & provide a deposit

If approved, secure your line with an equal deposit. That means a $500 deposit for a $500 credit line, etc. up to $5,000.

2. Build your credit responsibly

Pay your balance in full each month by the due date to avoid interest on purchases. Make it easy with autopay through our online credit card portal!

3. Convert to an unsecured card

Using credit responsibly across all your credit cards may qualify you to get your security deposit back and convert to an unsecured card.

The Details

Annual Fee No Annual Fee
APR for Purchases 17.99%
This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers
17.99%
This APR will vary with the market based on the Prime Rate. A 3% fee (minimum $5) applies to all balance transfers.
APR for Cash Advances
22.99%
This APR will vary with the market based on the Prime Rate. A 4% fee (minimum $10) applies to all cash advances.
Credit Limit
$500 - $5,000
Foreign Currency Fee 3% of the transaction amount in US Dollars.
Additional Features
Online Account Access: Enjoy more control and conveniently manage your card accounts 24/7 by logging into our credit card portal to:

  • View transactions and statements
  • Set alert notifications
  • Make one-time or recurring payments
  • Enroll in eStatements

CardControl

Located in the MB&T Mobile app, CardControl helps you control when, where, and how your card is used.