Why Bank With MB&T?

We believe that where you choose to bank does make a difference. Explore below to learn more about the difference a better banking experience could mean to you.

Banking for Individuals & Families

Friendly helpful people – Montecito Bank & Trust is our people. Everyday our associates deliver exceptional service to each of our clients. Always going the extra mile. Always with a smile.

We'll help you switch – When you're ready to experience the truly unique level of customer service only a community bank can offer, we'll work with you every step of the way to make what can seem like a hassle a smooth transition to your next and last bank, Montecito Bank & Trust.

Peace of mind – Well capitalized, well run and FDIC insured. Consistently rated as a Premier performing bank by Findley, an independent national rating service of financial institutions, as a client of Montecito Bank & Trust you'll have the peace of mind knowing that your money is safe at a locally owned community bank.

Convenience – With 24/7 online banking and free ATM* access anywhere in the world, you can get cash and manage your money from anywhere at anytime.

A familiar face – One of the things our clients like most is knowing the team of committed financial experts that support their financial life, day in and day out. We know our clients by name because they are our friends, our neighbors, sometimes even our family. A familiar face is something you can always count on at Montecito Bank & Trust.

* For eChecking, Access and Private Access Checking accounts only. Montecito Bank & Trust does not charge fees for use of any ATM within the United States, Guam, and Puerto Rico. In addition, we reimburse you for most ATM and POS fees charged by third-parties, such as other banking institution service providers. See our Deposit Account Terms and Disclosures for additional information.

Banking for Your Business

Money to lend – Access to financing is critical to every growing business. In Montecito Bank & Trust you'll have a local partner with the capacity and expertise to structure terms to meet your unique needs and the flexibility to deliver a solution for businesses of every size.

Decisions made in your backyard – When your financial partner is a locally owned community bank, you'll have access to decision makers - decision makers who see the opportunities you do and understand the challenges you face. That's a strategic advantage you just can't get when decisions are made in another city in another state.

Subject matter experts – One of the many advantages a relationship with Montecito Bank & Trust brings is the intimate knowledge of your community that comes from being a locally owned community bank that is part of your community - knowledge that has bottom line impact.

Trusted advisors – Who you choose to bank with is a serious decision. At Montecito Bank & Trust, you can always count on a financial partner with character and integrity - a financial partner you can trust.

Banking for Nonprofits

Specialized solutions – Through a close partnership over many years with nonprofits who serve the same communities we do, we've developed a full suite of products and services designed specifically to meet the unique needs of the nonprofit community.

A legacy of corporate philanthropy – Whether it's our well-known Community Dividends program, which has awarded $12 million dollars to local nonprofits to date or our Anniversary Grants program, through which our associates vote to grant thousands of dollars every year to charities, Montecito Bank & Trust has a long-standing passion for giving back to the communities we serve.

A passion for giving back – Providing our customers with a full range of financial services is only part of what we do and part of who we are. We're also actively involved in our community - helping out in many of the same ways - and at many of the same places - that you do. We all have our own way of contributing and together we're making our local community a better place to live and work.

Wealth Management

A personal approach – What makes us distinctly different is our personalized approach. You won't find the "ready made" financial strategies so many other firms offer. Why? Because they disregard the most important investment consideration of all - you. The Wealth Management team at Montecito Bank & Trust will devote the time and effort necessary to thoroughly understand your objectives - and to customize a solution for you and you alone.

Access to your team – With easy access to your local Wealth Management team you'll never have to feel like your portfolio is set in stone. As your circumstances change we'll be here to adjust your strategy to ensure it continues to encompass your most important plans, goals and values.

A trusted partner – With over 30 years in our community and nearly a billion dollars in assets under management, the Montecito Bank & Trust Wealth Management team is well known and respected for its integrity, acumen and performance. As your partner we'll work every day to provide you with the peace of mind that comes with knowing your assets are being handled with the personal attention and careful consideration they deserve.