Personal Banking

Checking Accounts Free Checking No monthly service charge Unlimited check writing ATM access Free debit card Free online banking Free bill pay Free direct deposit Free access to Instant BankerSM, our 24-hour automated telephone customer service Overdraft protection available Regular Interest Checking Funds earn interest Unlimited check writing ATM access Free debit card Free online banking Free bill pay Free direct deposit Free access to Instant BankerSM, our 24-hour automated telephone customer service $9 monthly service charge No service charge with minimum daily balance of $1,000 or more, or average monthly balance of $5,000 or more Overdraft protection available Checking Maximizer Funds earn interest Unlimited check writing ATM access Free debit card Free online banking Free bill pay Free direct deposit Free personalized checks (2 orders on selected styles per year) Free leather checkbook cover Free incoming wires Free notary services No fee travelers checks No fee cashiers checks No annual fee for Visa® Gold Credit Card (with credit approval) Free access to Instant BankerSM, our 24-hour automated telephone customer service $15 monthly service charge No service charge with minimum daily balance of $5,000 or more, or average monthly balance of $10,000 or more, or combined balance of $15,000 or more (outstanding balances on a home equity loan or line also qualify) Ready Reserve overdraft protection with no annual fee (upon credit approval) Access Checking Funds earn the highest checking interest rates Unlimited check writing ATM access (* see note below) Free debit card Free online banking Free bill pay Free direct deposit Free personalized checks (2 orders on selected styles per year) Free leather checkbook cover Free incoming wires Free notary services No fee travelers checks No fee cashiers checks No annual fee for Visa® Gold Credit Card (with credit approval) Free access to Instant BankerSM, our 24-hour automated telephone customer service $22 monthly service charge No service charge with minimum daily balance of $10,000 or more, or average monthly balance of $25,000 or more. Ready Reserve overdraft protection with no annual fee (upon credit approval) * ATM Access for Access Checking Accounts only ... Montecito Bank & Trust does not charge fees for use of Non-MB&T owned ATMs and will credit your Access Checking account for any ATM fees assessed by third-party service providers for up to ten (10) ATM transactions per month per authorized debit card issued on the account. Maximum number of debit cards per account is limited to three. Free ATM transaction limit is computed on a calendar-month basis, not per statement cycle. ATM fee reimbursement only applies to ATM usage for ATMs located within the continental United States, Hawaii, Puerto Rico and Guam. Gold Key Account For individuals 55 years and over No monthly service charge No minimum balance requirement Unlimited check writing ATM access (see note) Free debit card Free online banking Free bill pay Free access to Instant BankerSM, our 24-hour automated telephone customer service Free standard Montecito Bank & Trust checks Free direct deposit No fee travelers checks No fee cashiers check Overdraft protection available