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.