Business Center

Deposit Accounts Free Business Checking No monthly service charge Up to 500 items processed per month (debits, credits, deposited items) Free bill pay Free Basic Business Banker online services (inquiries, transfers, stop payments) Free Debit Card for sole proprietorships and closely held companies, ATM Deposit Only Card for other business entities Free Direct Deposit Free Instant Bankersm 24-hour telephone service Overdraft protection available Up to $5000 in coin and currency transactions monthly Business Checking* Unlimited access to funds Free bill pay Free Basic Business Banker online services (inquiries, transfers, stop payments) Business Banker Cash Management for wire transfers, ACH, payroll, and tax payments available. Fees apply. $15 monthly service charge plus $.30 for each debit after the first 100 debits and $2.00 for each deposit after the first 20 deposits per statement cycle No monthly service charge and no above stated activity fees with a minimum daily balance of $5,000 or more, or average monthly balance of $10,000 or more, or combined checking account balance and outstanding principal balance from a Business Maximizersm line of credit or term loan of $25,000 or more Free Debit Card for sole proprietorships and closely held companies, ATM Deposit Only Card for other business entities Free Direct Deposit Free Instant Bankersm 24-hour telephone service Overdraft protection available *This account is also available as an Analyzed Checking account. An Analyzed Checking Account is a cost effective choice for businesses that maintain high checking balances and high levels of activity. This account allows you to earn credit based on balances in order to offset some or all monthly service charges and fees.   Business Interest Checking* This account is designed for sole proprietorships or non-profit organizations and earns a competitive rate of interest Unlimited access to funds Free bill pay Free Basic Business Banker online services (inquiries, transfers, stop payments) Business Banker Cash Management for wire transfers, ACH, payroll, and tax payments available. Fees apply. $15 monthly service charge plus $.30 for each debit after the first 100 debits and $2.00 for each deposit after the first 20 deposits per statement cycle No monthly service charge and no above stated activity fees with minimum daily balance of $5,000 or more, or average monthly balance of $10,000 or more, or combined checking account balance and outstanding principal balance from a Business Maximizersm line of credit or term loan of $25,000 or more Free Debit Card for sole proprietorships and closely held companies, ATM Deposit Only Card for other business entities Free Direct Deposit Free Instant Bankersm 24-hour telephone service Overdraft protection available *This account is also available as an Analyzed Checking account. An Analyzed Checking Account is a cost effective choice for businesses that maintain high checking balances and high levels of activity. This account allows you to earn credit based on balances in order to offset some or all monthly service charges and fees.   Community DividendsSM Checking* For Non-Profits that are a designated 501(c)(3) organization Earn a competitive rate of interest with an added bonus No monthly service charge Up to 500 items processed per month (debits, credits, deposited items) Free bill pay Free Basic Business Banker online services (inquiries, transfers, stop payments) Business Banker Cash Management for wire transfers, ACH, payroll, and tax payments available. Fees apply. Free ATM Deposit Only Card Free Direct Deposit Free Instant Bankersm 24-hour telephone service Overdraft protection available Board of Directors and Employee Welcome Benefits Package Up to $5000 in coin and currency transactions monthly *This account is also available as an Analyzed Checking account. An Analyzed Checking Account is a cost effective choice for businesses that maintain high checking balances and high levels of activity. This account allows you to earn credit based on balances in order to offset some or all monthly service charges and fees.   Money Manager Account* This sweep account combines a non-interest checking account with a tiered interest rate money market account Unlimited check writing on the checking portion of account; up to 6 withdrawals per statement cycle, 3 or which can be made by check on the money market portion of the account Free bill pay Free Basic Business Banker online services (inquiries, transfers, stop payments) Business Banker Cash Management for wire transfers, ACH, payroll, and tax payments available. Fees apply. $20 monthly service charge No monthly service charge with $25,000 minimum daily balance or more Free Debit Card for sole proprietorships and closely held companies, ATM Deposit Only Card for other business entities Free Direct Deposit Free Instant Bankersm 24-hour telephone service Overdraft protection available $15 per item for withdrawals in excess of 6 per statement cycle or more than 3 checks written per month *This account is also available as an Analyzed Checking account. An Analyzed Checking Account is a cost effective choice for businesses that maintain high checking balances and high levels of activity. This account allows you to earn credit based on balances in order to offset some or all monthly service charges and fees.   Montecito Business Money Fund Earns a competitive money market rate of interest with higher balances earning higher interest rates Up to 6 withdrawals per month $15 monthly service charge No monthly service charge with $10,000 minimum daily balance or more Up to 6 withdrawals per statement cycle, 3 may be made by check, debit card, or point of sale. $15 per item for withdrawals over 6 per statement cycle or more than 3 checks written per month. Free Direct Deposit Free Instant Bankersm 24-hour telephone service Business Savings Earns a competitive rate of interest $9 per quarter service charge No quarterly service charge with $300 minimum daily balance or more Free ATM Deposit Only Card $2 excess activity fee for each withdrawal over 3 per quarter Free Direct Deposit Free Instant Bankersm 24-hour telephone service