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SCAM WARNING - Fraudsters are calling clients, spoofing the Bank's phone number and posing as MB&T employees. These fraudsters ask for Online Banking passwords and one-time PINs. We will never ask for this information. Please hang up & call your branch, Relationship Manager, or our Service Center (805-963-7511) immediately.

SCAM WARNING - Bankers never ask for your Online Banking password or one-time codes. Learn More

Signature Banking Services

Wealth Maximizer Line of Credit

Take advantage of the next opportunity by unlocking the power of the assets in your Montecito Bank & Trust Wealth Management account.

Benefits Put your investments to work by using the assets in your MB&T investment account as collateral. Credit approval is required.
Access to Funds Access your line by transferring funds to your MB&T checking account through Online Banking or request funds in branch.
Maturity 5-year term
Payments Monthly interest-only payments. Pay down principal any time. All principal is due at maturity.
Annual Percentage Rate (APR) Variable rate based on Prime