Personal Access CD

Enjoy the higher earning potential of a traditional CD with the flexibility of unlimited deposits and one withdrawal.

Key Features	Unlimited deposits One penalty-free withdrawal during your 7-month term
Terms	7 months
Access to Funds	Allows unlimited deposits and the ability to make one withdrawal during the term without penalty, as long as the balance remains above $10,000¹
Interest	Yes²
Minimum to Open	$10,000
Minimum Balance	$10,000
Online and Mobile Banking³	Free

Penalty for early withdrawal will be imposed if: 1) first withdrawal causes the balance to fall below $10,000, 2) more than one withdrawal is made during the term of the CD or 3) the withdrawal is made within the first six (6) days of the initial deposit (or last deposit) or within six (6) days of a partial withdrawal.
Simple interest accrues daily and compounds daily. Customers can have their interest paid weekly, bi-weekly, monthly, semi-annually, annually, or at maturity (if the term is one year or less). View our Deposit Rate Summary for the latest rates.
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.