Access Checking

Designed for clients with higher balances, this all-in-one package is also interest bearing. Plus you get a host of additional services beyond our standard services free, for even more convenience.

  • FREE Digital & Mobile* Banking, plus eStatements
  • FREE Account Alerts
  • FREE Online Bill Pay

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

1. For eChecking, Access and Private Access Checking accounts only. Montecito Bank & Trust does not charge fees for use of owned or non-owned ATMs within the 50 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. Montecito Bank & Trust does not charge for the Mobile Banking service; however, your wireless provider may charge for Internet access and text messages. Please check with your wireless provider