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Interest Earning Checking Options
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Access Checking
Access Checking
Our best rate with no strings attached.
With Access Checking you not only get our best checking rate, you also have access
to your money whenever you need it. Plus, you'll enjoy a host of other free features
and benefits that make banking with Montecito Bank & Trust easy and convenient.
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Monthly Service Charge
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$22
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Minimum Balance to Waive Service Charge
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$10,000 minimum daily balance or $25,000 average daily balance
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Access to Funds
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Unlimited
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Interest
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Yes, rates vary based on balance tiers. Simple interest accrues daily, compounded monthly and paid monthly. Check our current rates.
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ATM/Debit Card Access
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Free Debit Card and free ATM usage in the U.S, and its territories. (Your account will be credited for ATM fees charged by third-party service providers.)
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Personal Online and Mobile Banking plus Bill Pay
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Free On-Line Banker, Free Mobile Banker and Free Bill Pay
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Additional Benefits
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- Free Direct Deposit
- Free Telephone Banking
- eStatements available with check images
- Free checks (2 free check orders on specified styles per year)
- Ready Cash Reserve overdraft protection with no annual fee (upon credit approval)
- Free notary service
- No-fee cashiers checks
- No annual fee for VISA Gold Credit Card (upon credit approval)
- Combined statement is standard
- Return of check images upon request
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Ready to get started?
To open your Access Checking account
call us at (805) 963-7511, or just stop by one of our convenient
branch locations.
For added security and convenience we recommend that you add
Overdraft Protection
and
Direct Deposit
to your Montecito Bank & Trust
Access Checking account.
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