Send and receive money with Zelle®

Montecito Bank & Trust and Zelle logos

We partnered with Zelle® to bring you a fast, safe and easy way to send and receive money with friends, family and other people you trust1. Zelle® is available right from MB&T Online Banking and the MB&T Mobile app, so you don’t need to download anything new to start sending and receiving money!

How to start using Zelle®

1

Log in to Online Banking and click "Bill Pay | Zelle"

2

Accept Terms and Conditions

3

Select "Send Money With Zelle®"

4

Select your U.S. mobile number or email address and deposit account

That’s it! You’re ready to start sending and receiving money with Zelle®.

Using Zelle® is:

  • Fast

    Send money directly from your account to theirs, typically in minutes2

  • Safe

    Send and receive money with Zelle® right from Bill Pay online or our mobile banking app1

  • Free

    There are no fees in sending money with Zelle® from our online or mobile banking app3

Watch the video to learn more about Zelle®!

Download our mobile app to get started today!

Download on the Apple App Store Get it on Google Play

Frequently Asked Questions

What is Zelle®?

Zelle is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes2. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank1.

Who Can I Send Money To With Zelle®?

You can send money to friends, family and others you trust1.

Since money is sent directly from your bank account to another person's bank account within minutes1, it's important to only send money to people you trust, and always ensure you've used the correct email address or U.S. mobile number.

How Do I enroll and use Zelle®?

You can send, request, or receive money with Zelle.

  1. To get started, log into online banking or your mobile app, navigate to "Bill Pay | Zelle" and select "Send Money with Zelle®". Accept terms and conditions, enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, and you're ready to start sending and receiving with Zelle.

  2. To send money using Zelle, simply add a trusted recipient's email address or U.S. mobile phone number, enter the amount you'd like to send and an optional note, review, then hit "Send." In most cases, the money is available to your recipient in minutes2.

  3. To request money using Zelle, choose "Request", select the individual(s) from whom you'd like to request money, enter the amount you'd like to request, include an optional note, review and hit "Request"4.

  4. To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle.

See More FAQs

More questions? Call us at (805) 963-7511 and we’ll help you get going!

  1. Must have a bank account in the U.S. to use Zelle®
  2. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle®.
  3. Mobile network carrier fees may apply.
  4. In order to send payment or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle®.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Apple, the Apple logo, and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., Google Play, the Google Play logo, Android, and Android Pay are trademarks of Google Inc.