Wealth Private Access Checking

Reserved MB&T's Wealth Management clients, MB&T's Private Access Checking account is a premier interest-checking account package with access to signature account services with free ATM access.

No ATM Fees	Free Montecito Bank & Trust Debit Card Free MB&T and Out of Network ATM Access¹ Refunded Debit Card Cross Border Fee Refunded Debit Card Foreign Currency Conversion Fee²
Complimentary Banking Services	Free Online Banking and Bill Pay Free incoming wires Free notary services No fee cashier's checks Two free check orders per year (selected styles) Check images are returned with statement (upon request) at no charge Free 3x5 Safe Deposit Box³
Earn Interest	Yes Private Access Checking clients also qualify for a relationship bonus on a separate Relationship Bonus Money Market Account. For current rate information please see Montecito Bank & Trust Deposit Rate Summary

Montecito Bank & Trust does not charge fees for the use of any MB&T or non-MB&T ATMs. In addition, we reimburse you for ATM and point of sale (POS) fees charged by third parties if the third party identifies the fee or surcharge as a separate transaction.
Refunds will be credited to your account the same business day your account is charged for the Cross Border Fee or Foreign Currency Conversion Fee.
Subject to availability. Note: If you close your Private Access Checking account and do not surrender the Safe Deposit Box, you will be charged the current rate for the 3x5 box. Please refer to the Schedule of Fees for the most current rate.

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