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Free Checking

What’s not to like?

No hidden hassles. No complicated rules. Montecito Bank & Trust's Free Checking is exactly that – and also refreshingly free of surprises. Plus, we included a host of additional free services designed to give you even more financial freedom.

Monthly Service Charge
Free
Minimum Balance to Waive Service Charge
Not Applicable
Access to Funds
Unlimited
Interest
No
ATM/Debit Card Access
Free Debit Card
Personal Online and Mobile Banking plus Bill Pay
Free On-Line Banker, Free Mobile Banker and Free Bill Pay
Additional Benefits
  • Free Direct Deposit
  • Free Telephone Banking
  • Free electronic statements, upon request
Additional Requirements
None

Ready to get started? To open your Free 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 Free Checking account.

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News

Montecito Bank & Trust Reports Higher Earnings

We are pleased to report that for the first six months of 2010 Montecito Bank & Trust earned $4.4 million in net profit, a 13% increase over 2009. [Read on]


Castillo and Nuno Team-Up at the Montecito Bank & Trust Carpinteria Branch

Montecito Bank & Trust is pleased to announce that Anthony Castillo has joined the bank as Vice President and Branch Manager of the Carpinteria Branch. [Read on]