Cyber Security

When choosing a financial institution to help safeguard your money, you want to be sure the bank you choose is exactly that – safe. So how do we make it easy for you to trust us and be confident you've made the safe choice?


.BANK Domain

When you visit our website, you’ll notice that the web address doesn’t end with .com like most commercial websites do. That’s because we were an early adopter of the .bank web extension, only available to banks that have been verified by their regulator and comply with strict cybersecurity requirements designed to reduce phishing, spoofing, eavesdropping and other online scams. Because the .bank domain is only available to banks, you can be sure that you are accessing our legitimate bank website when you visit montecito.bank.

  • Tokenization

    Used in digital wallets, single-use tokens replace your sensitive data

  • Multi-factor Authentication

    Secure access codes delivered to your phone add an extra layer of security

  • 24/7 Activity Monitoring

    Our experts continuously monitor your account activity for suspicious transactions

  • Transaction Control & Alerts

    Lock down your payment card activity using the CardValet® mobile app

  • Custom Alerts

    Create a variety of alerts through our online and mobile banking platforms


Fraud and Threats 101

Knowing what to look for can be a huge advantage.

Learn more