Personal Checking Accounts

As individuals, one size does not fit all - we get it. Our accounts are designed to meet your individual needs and let you control how you manage your money. All while still getting the convenience, efficiency, and level of service you want.

  • Mobile & Digital Banking
  • Additional Benefits & Services
  • Personalized Service

Checking Account Types

  • Free Checking

    No minimum balance & no monthly maintenance fees.

  • eChecking

    Go green and pay no maintenance fees if requirements are met.

  • Interest Checking

    Earn a competitive rate of interest with unlimited access to your funds.

  • Access Checking

    An all-in-one banking package that pays higher interest with higher balances.

  • Private Access

    An all-in-one account, reserved for Wealth Management clients


Free Checking E-Checking

Student Version Available3

Interest Checking Access Checking Private Access Checking

No minimum balance is required

Go green and pay no maintenance fee if requirements are met

Earn a competitive rate of interest with unlimited access to your funds

An all-in-one banking package that pays higher interest with higher balances

Available to Wealth Management clients only

Monthly Maintenance Fee $0 $8 $9 $22 $0
Requirements to Waive Monthly Maintenance Fee N/A Must have Online Banking, eStatements and 12 or more debit card point-of-sale transactions posted each statement cycle $1,000 minimum daily balance or $5,000 average available balance $10,000 minimum daily balance or $25,000 average available balance N/A
Unlimited Access to Funds
Interest Earning
Free USA ATM Use1
Combined Statement Upon Request
Return of Check Images Upon Request2
No-fee Cashier's Checks
Free Notary Service

1. For eChecking, Access and Private Access Checking accounts only, Montecito Bank & Trust does not charge fees for use of ATMs within the United States, Guam and Puerto Rico, and credits these accounts for ATM and some POS fees charged by third-party service providers. See Deposit Account Terms and Disclosures for additional information. 2. Fees apply with the exception of Access Checking and Private Access accounts. 3. Student version available for those between 14 and 18 years of age. Monthly maintenance fee waived for student version. Adult signatory required.

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Additional Benefits & Services

We know there are certain features you have to have to bank efficiently, beyond having an account.

Here are some of the ones we offer:

  • ATM Access
  • FREE Digital & Mobile* Banking, plus eStatements
  • FREE Account Alerts
  • FREE Online Bill Pay
  • FREE 24-7
    Telephone Banking
  • FREE Direct Deposit
  • Overdraft Protection

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


Order Checks

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


Looking to remodel your home? Investing in your child's future?

A Home Equity Line of Credit from Montecito Bank & Trust could be your solution.

Apply for our limited time low introductory rates today!

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