What’s not to like?

No hidden hassles. No complicated rules. Montecito Bank & Trust's Free Checking is exactly that – and also refreshingly free of surprises. Plus, we included a host of additional free services designed to give you even more financial freedom.

Features No minimum balance is required and no monthly maintenance fee.
Monthly Maintenance Fee


Minimum to Waive Monthly Maintenance Fee N/A
 Access to Funds




 Online and Mobile Banking2


Online Bill Pay


  • Combined statement upon request
  • Return of check images upon request3
1. Other fees such as check orders, overdraft fees and ATM surcharges may apply. See our Schedule of Fees & Charges for additional information. 2. 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. 3. Electronic check images available free of charge with your eStatement. 


Ready to Get Started?

For added security and convenience we recommend that you add Overdraft Protection and Direct Deposit to your Montecito Bank & Trust Free Checking account.