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SCAM WARNING - Fraudsters are calling clients, spoofing the Bank's phone number and posing as MB&T employees. These fraudsters ask for Online Banking passwords and one-time PINs. We will never ask for this information. Please hang up & call your branch, Relationship Manager, or our Service Center (805-963-7511) immediately.

SCAM WARNING - Bankers never ask for your Online Banking password or one-time codes. Learn More

Personal Savings

Personal Savings

Earn interest while you save for a rainy day with this traditional savings account.

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The simple solution to saving successfully starts here.

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Key Benefits

Key Features
  • Earn a competitive rate of interest
  • Modest balance requirements to waive maintenance fee 
Monthly Maintenance Fee
 $9 per quarter
How to Avoid Monthly Maintenance Fee
 $300 minimum daily balance
Interest
 Yes1
Online and Mobile Banking2
 Free
Benefits Combined statement upon request.
  1. Simple interest accrues daily, compounded quarterly and paid quarterly. View our Deposit Rate Summary for the latest rates.
  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.

Benefits and Perks

Online & Mobile Banking

Keep your accounts at your fingertips with Online & Mobile Banking. 

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Automatic Deposits

Automate your savings with recurring transfers you control in Online Banking. 

Overdraft Protection

Link your Savings account to any MB&T Checking account for peace of mind overdraft protection. 

Learn more
Online & Mobile Banking

Keep your accounts at your fingertips with Online & Mobile Banking. 

Learn more
Automatic Deposits

Automate your savings with recurring transfers you control in Online Banking. 

Overdraft Protection

Link your Savings account to any MB&T Checking account for peace of mind overdraft protection. 

Learn more

Have any questions?

We're here to help.

Schedule an appointment ATM & branch locations Call us at (805) 963-7511

Additional Services

Ready to explore? Here are some more great options we think you'll love.

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Personal Checking Accounts

We've got the checking account you need, with the online access you want.

Learn more
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CDs & IRAs

When you have a guaranteed rate of return and FDIC insurance, peace of mind comes standard.

Learn more
A woman holding her cup while looking at the Money Matters video portal.
Money Matters

Check out our tools and resources designed to help you stay financially savvy and cyber secure.

Learn more