Business Checking

  • Basic Business Checking

    Ideal for sole proprietors and businesses with limited checking needs.

  • Community Dividends Checking

    A simple, interest bearing transaction account specially designed for 501(c)(3) local nonprofits.

  • Business Checking

    A flexible account for growing businesses with low balances and moderate transaction activity

  • Business Interest Checking

    Designed for all businesses looking to earn a competitive rate of interest.

  • Business Analysis Checking

    A high volume account for established businesses with large average daily balances.

  • Business Sweep Account

    Designed to meet your daily money management needs, this account combines the power of Analysis Checking with the potential of a money market account.


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Basic Business Checking Business Checking Business Interest Checking Business Analysis Checking
Description A basic checking account for sole proprietors and businesses with limited checking needs A flexible account for growing businesses with low balances & moderate transaction activity A checking account for all businesses with moderate transaction activity looking to earn interest on their deposits A high volume checking account for established businesses with large average daily balances
Monthly Maintenance Fee $0 $15 $15 $15
Requirements to Waive or Reduce Monthly Maintenance Fee N/A Save $5 with each requirement met:
  • Enroll in eStatements
  • Make a qualifying Bill Payment1
  • Maintain a $5,000 average available balance
  • Maintain a $5,000 minimum daily balance or
  • Maintain a $10,000 average available balance
Balances in this account earn an Earnings Credit which may offset this fee
Up to 150 Free Processed Transaction Items2
Up to 300 Free Processed Transaction Items2
Additional Item Fee $0.40 $0.40 $0.40
Interest Bearing
Minimum Opening Deposit $50 $50 $50 $50
Cash Management Options3
Learn more Learn more Learn more Learn more

1. A qualifying Bill Payment is one (1) online bill payment made from a Business Checking Account using MB&T Business Online Banking. 2. Items include: regular deposits, deposited items, ATM deposits and withdrawals, transfers (in-person, online, automatic, telephone and ATMs), manual loan payments, cashed checks, deposits received by mail, ACH debits, cashier’s check debits, officer approved checks and POS transactions (one-time and recurring). 3. Cash Management options include ACH, Wire Transfer, Lockbox, Night Depository Service, Remote Deposit Capture, Positive Pay and Merchant Services. Fees apply.

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Additional Benefits & Services

  • FREE Account Alerts
  • FREE Digital & Mobile1 Banking
  • Check Images & free2 eStatements
  • FREE Online Bill Pay
  • FREE 24-7 Telephone Banking
  • Chip Enabled Debit Cards
  • Overdraft Protection Options
  • Relationship Account Rewards

1. Your mobile carrier's text messaging and web access charges may apply. Cash Management features including Wire Transfers, ACH Services, Remote Deposit Capture and Positive Pay available for additional fees. 2. Front and back check images are free if you are enrolled in eStatements. Fees apply for check images if you are not enrolled in eStatements.


Order Checks

You can easily order new checks for your business or yourself through one of the links below.


Looking to expand? Need new equipment? Want to improve cash flow?

A Business Maximizer Loan or Line of Credit from Montecito Bank & Trust could be your answer!