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 Personal Banking

Savings Accounts

Montecito Money Fund

  • Earns a competitive money market rate of interest
  • Combine these balances with our Checking Maximizer account for high-value relationship banking
  • Up to 6 withdrawals permitted per statement cycle, 3 of which can be made by check. There is a $12 fee for each withdrawal in excess of 6 per monthly statement cycle or more than 3 checks written per month.
  • Higher interest paid when balance reaches $10,000 and even higher at $50,000 or more
  • $8 monthly service charge
  • No service charge with minimum daily balance of $2,500 or more
  • Free online banking
  • Free direct deposit
  • Free access to Instant BankerSM, our 24-hour automated telephone customer service

Savings Account

  • A classic savings account, earning a competitive rate of interest
  • Up to 6 withdrawals per month or statement cycle; $2 fee for each additional withdrawal over 3 per quarter
  • $9 per quarter service charge
  • No service charge with minimum daily balance of $300 of more
  • Free online banking
  • Free direct deposit
  • Free access to Instant BankerSM, our 24-hour automated telephone customer service

First Steps Savings

  • Helping kids learn and earn – early
  • For children under 18 years of age
  • $5.00 to open
  • Earns interest
  • No monthly service charge

 

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