Disclosures

Below are links to important documents for your Montecito Bank & Trust deposit account. You can print or download these files (free Adobe Acrobat Reader required).


Deposit Account Terms and Disclosures - A detailed description of important terms and conditions applicable to your account.


Deposit Rate Summary – A summary of your interest bearing deposit account’s interest rate and annual percentage yield (APY).


Schedule of Fees & Charges – A list of fees and charges associated with your deposit account.


Electronic Communications Agreement - Consumer Online Banking Agreement - Used to obtain your consent to provide you with communications in electronic format during the Online Banking enrollment process and subsequent times when you access the Online Banking system.


Consumer Online Banking Agreement & Electronic Funds Transfer Act Disclosure - Used to enroll in consumer online banking.


ACH Services Agreement


Wire Services Agreement


Business Online Banking Agreement