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.


Imagine you could have a wide range of rich cultural experiences & memorable travel adventures ...

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.