Because sometimes things just happen.

We offer two options to protect your account from accidental overdrafts and to give you the peace of mind that comes from knowing you’re covered.

  Savings LinkReady Cash Reserve
Overdraft Coverage

Link your checking account to your Montecito Bank & Trust savings account.

Link your checking account to a personal line of credit that is specifically reserved for checking overdraft protection.

How does it work? If you accidentally overdraw your checking account, funds to cover your specific checking balance shortages will transfer from your savings account into your checking account, up to the available balance in your savings account. Upon credit approval, an established limit is approved for your Ready Cash Reserve. Credit limits range from $500 to $10,000. Should you overdraw your checking account, funds in increments of $100.00 will transfer from your line of credit to your checking account to cover your checking overdrafts, up to your approved and available credit.
Fees Fees Apply* Fees Apply*

* See our Schedule of Fees & Charges for additional information.

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