Personal Checking Overview

Checking Accounts

We understand that one size doesn't fit all. Our accounts are designed with you in mind so you can control how to manage your money, all while having the convenience, efficiency, security and level of personal service you expect.

Everyday Checking

A simple account with great perks. No maintenance fees for seniors 65+ or Formal Trust accounts.

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Cashback Checking

Get cashback rewards on everyday spending. No maintenance fees for students 14 to 24 years old.

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Access Checking

An all-in-one account with access to premier services.

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Private Access Checking

An all-in-one account, specifically for Wealth Management clients.

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Compare account details

Account Type
empty	Everyday Checking	Cashback Checking Student Version Available¹	Access Checking	Private Access Checking
empty	Go green with eStatements	Get cashback rewards²	An all-in-one banking package with access to premier account services	An all-in-one account, reserved for our Wealth Management Clients
Monthly Maintenance Fee	$8	$15	$25	$0
How to Avoid Monthly Maintenance Fee	Enroll in eStatements and maintain $500 minimum daily balance³ OR Primary account holder’s age is 65 or greater OR Account is a Formal Trust	Enroll in eStatements³ AND complete 15 or more debit card transactions each statement cycle OR primary account holder's age is 14-24 years old¹	$10,000 minimum daily balance OR $25,000 average available balance	N/A
Free Online & Mobile Banking⁴
Free Online Bill Pay
Manage your Debit Card with CardControl
Send & receive cash with Zelle®
Free Direct Deposits
Free Account Alerts
Free 24/7 Telephone Banking
Overdraft Protection Available
Unlimited Access to Funds
Free Combined Statement Upon Request
Free MB&T ATM Access
Free Out of Network ATM Use⁵		Refund up to $15/month
Cashback Rewards²		$0.10 per qualifying transaction
For Youth 14-19¹
Interest Earning			Yes, see the Deposit Rate Summary for details.	Yes, see the Deposit Rate Summary for details.
Free Notary Services
Free Incoming Wires
Cross Border Fee Refunded
Foreign Currency Conversion Fee Refunded
Free Cashier's Checks
Free Checks
Free Safe Deposit Box
action buttons	Open online Learn more	Open online Learn more	Open online Learn more	Open online Learn more

The Student version is a debit card only account, no checks will be issued. Adult signature is required to open an account if the student is a minor. At age 25, this account becomes a Cashback Checking non-student account and is subject to those account requirements.
Qualifying transactions include debit POS transactions, BillPay, and Mobile Deposit. Cashback reward is capped at $20 per statement cycle.
Must have Online Banking to enroll in eStatements.
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.
For Access Checking and Private Access Checking accounts, Montecito Bank & Trust waives the fees for the use of non-MB&T ATMs when the fee or surcharge is identified as a separate transaction. For Cashback Checking, if you use a non-MB&T ATM, MB&T will charge a fee in addition to the fee or surcharge that may be assessed by the ATM owner/operator. MB&T will refund up to $15 in total fees or surcharges per statement cycle when the ATM/POS fee or surcharge is identified as a separate transaction.

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More Benefits

Online & Mobile Banking

Powerful, secure, and user-friendly, MB&T Online and Mobile Banking gives you the control to check balances, transfer funds, make deposits and pay and receive money with Zelle® from anywhere you're connected.

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Switch Easily with ClickSWITCH®

Easily move recurring payments and direct deposits to your new or existing account - all with the click of a mouse. It's automated, convenient, and takes as little as 10 minutes. Just click... and switch!

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Overdraft Protection

Being prepared can be a very good thing. We have options to help you protect your account from overdrafts and give you the peace of mind that comes from knowing you're covered.

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