Personal Savings

The simple solution to saving successfully can start here. It's a healthy habit we think you'll like down the road.

1. In accordance with limitations set by Federal regulations, this account is allowed up to six (6) transfers and withdrawals by means of a transfer (preauthorized, automatic, telephone or online), check, draft, debit card, or similar order to a third party per month or statement cycle (if your statement cycles mid-month). Activity in excess of the allowable Federal limit may result in the account being converted or closed. Any transfers or withdrawals in excess of six (6) per month or statement cycle (if your statement cycles mid-month) will be assessed a $15 Excess Activity Fee per transfer or withdrawal. 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.


Personal Savings FAQ

Can I use my savings account to cover unintentional overdrafts on my checking account? Yes. If you request Overdraft Protection, automatic transfers will be made from your savings account to your checking account, up to the available balance in your savings account.
Can I set up automatic deposits to my savings account? Yes. You can set up automatic deposits to your savings account from your MB&T checking account. You can also make automatic deposits to a child's First Step Savings account.
How do I start banking online? If you have a MB&T savings account, you can start banking online today. Learn more about online banking. Online banking is not available for First Step Savings.