Business Savings

Using your financial assets intelligently is essential for growth. We offer a high degree of risk-free flexibility, as your cash flow and cash reserves earn a steady rate of return.

  • Business Relationship Money Market

    A tiered money market account with a premium rate of interest, when linked with any qualifying Business Checking account.

  • Business Money Market

    A tiered savings account for busineses with moderate to high balances.

  • Business Savings

    A basic savings account for businesses of all sizes.


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Business Savings Business Money Market Business Relationship Money Market
Description A basic savings account for businesses of all sizes A tiered savings account for businesses with moderate to high balances A tiered savings solution for established businesses looking for a premium rate of interest
Monthly Maintenance Fee $3 $15 $15
Requirements to Waive Monthly Maintenance Fee Maintain a $300 minimum daily balance Maintain a $10,000 minimum daily balance
  • Maintain a $10,000 minimum daily balance or
  • Have a qualifying Relationship Business Checking Account1
Access to Funds Up to 6 transfers or withdrawals per month/statement cycle2 Up to 6 transfers, checks or withdrawals per month/statement cycle2 Up to 6 transfers, checks or withdrawals per month/statement cycle2
Interest Earning
Combined Statement Upon Request
Check Writing Ability
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1. Qualifying accounts include Basic Business Checking, Business Checking, Business Interest Checking, Business Analysis Checking and Community Dividends Checking. 2. In accordance with limitations set by Federal regulations, this account is allowed up to six (6) transfers and withdrawals by means of a transfer (preauthorized, automatic, telephone or online), check, draft, debit card, or similar order to a third party per month or statement cycle (if your statement cycles mid-month). Activity in excess of the allowable Federal limit may result in the account being converted or closed. Any transfers or withdrawals in excess of six (6) per month or statement cycle (if your statement cycles mid-month) will be assessed a $15 Excess Activity Fee per transfer or withdrawal.

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Additional Benefits & Services

  • FREE Account Alerts
  • FREE Digital & Mobile* Banking
  • Check Images and Free eStatements
  • FREE 24-7 Telephone Banking

*Your mobile carrier's text messaging and web access charges may apply.


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!