At Montecito Bank & Trust, we can help you find the perfect combination of banking solutions for your needs and goals. After all, we've been serving this area for more than 40 years.

Tablet displaying MB&T Online Account screen.

Start Banking Local and Open an Account Online!

You can start banking with the best bank on the Central Coast with online account opening.

Ready... Set...Greenlight

A debit card and app built for kids and teens. And so much more.

Personal Checking Accounts

From Everyday Checking and Cashback Checking to interest bearing accounts, we have a selection that fits your needs.

Personal Savings & CDs

Save for the long term, with savings accounts in all shapes and sizes, and CDs to choose from.


Save for your golden years with an MB&T Individual Retirement Arrangement (IRA), plus the security of FDIC insurance.

Mortgage & Home

From first homes to vacation homes, remodeling, buying land, or building new, we have a full range of loans to choose from.

Loans & Credit

Whether you’re buying a car, or refinancing for the future turn to us first.

Additional Services

We’ve got you covered, from 24/7 telephone banking, to safe deposit boxes, to notary services, and more.