• Available only to Wealth Management clients
  • An all-in-one banking package that pays higher interest with higher balances
  • Use any ATM you like anywhere in the USA free of charge1
Monthly Maintenance Fee Free for MB&T Wealth Management clients
Minimum to Waive Monthly Maintenance Fee Must have relationship with Montecito Bank & Trust Wealth Management Division
Access to Funds Unlimited
Interest Yes. Simple interest accrues daily, compounded monthly and paid monthly. 
Online and Mobile Banking2 FREE
Online Bill Pay FREE
  • 2 free check orders on specified styles per year
  • Free return of check images upon request
  • Free incoming wires
  • Free notary services
  • No-fee Cashier’s checks
  • Combined statement upon request

1.  For eChecking, Access and Private Access Checking accounts only. Montecito Bank & Trust does not charge fees for use of owned or non-owned ATMs within the 50 United States, Guam, and Puerto Rico, and credits these accounts for ATM and some POS fees charged by third-party service providers. See Deposit Account Terms and Disclosures 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.

Ready to Get Started?

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