Personal > Personal Savings, CDs and IRAs > Personal Savings Accounts

Personal Savings Accounts

Real world solutions – not real complications.

Rate. Term. Access. Security. We have just the right solution to help your savings grow, and FDIC insurance so you can sleep better knowing your money will be there when you need it.

Personal Savings Accounts Options

Features	Montecito Money Fund	Savings Account	First StepsSM Savings
	Higher earnings on higher balances. No early withdrawal penalties and the convenience of check access.	Simple and convenient. The modern version of the passbook account. Just sit back and watch your money grow.	It’s never too early to get your kids started. And we have an account designed just for them.
Earns Interest
Interest Rates may vary based on balance amounts
One Interest Rate paid on all balances
Comes with Check Access
Minimum Daily Balance to Waive Service Charge	$2500	$300	N/A
Service Charge	$8.00 monthly	$9.00 per quarter	FREE
Additional Benefits	Up to 6 monthly pre-authorized, automatic or telephone transfers, check or point of sale. ($15 excess withdrawal fee) Free Online Banking and eStatements	Up to 6 monthly pre-authorized, automatic or telephone transfers, or point of sale. Free Online Banking and eStatements	Up to 6 monthly pre-authorized, automatic or telephone transfers, or point of sale. Free Online Banking and eStatements

Ready to get started? To open your personal savings account call us at (805) 963-7511, or just stop by one of our convenient branch locations.

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