Free Checking

No hidden hassles. No complicated rules. Montecito Bank & Trust's Free Checking is exactly that – and also refreshingly free of surprises. Plus, we included a host of additional free services designed to give you even more financial freedom.

  • 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. Other fees such as check orders, overdraft fees and ATM surcharges may apply. See our Schedule of Fees & Charges 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. 3. Fees apply for check images, please refer to our Schedule of Fees & Charges.