To prepare for tomorrow, start saving today.

With our variety of savings accounts and certificates of deposit, you can plan for the future with confidence. Plus, they all come with FDIC insurance for peace of mind.


Savings Accounts

  • First Steps Savings®

    Helping kids learn and earn - early! $5 minimum deposit.

  • Personal Savings

    Earn a competitive rate of interest.

  • Personal Relationship Money Market

    A tiered money market account with a premium rate of interest.

  • Montecito Money Fund

    Earn higher money market rates with higher balances.

First Step Savings® Personal Savings Personal Relationship Money Market Montecito Money Fund
Monthly Maintenance Fee $0 $9 per quarter $10 $10
Requirements to Waive Monthly Maintenance Fee N/A $300 minimum daily balance
  • $2,500 minimum daily balance or
  • Maintain a personal checking account
$2,500 minimum daily balance
Access to Funds Up to 6 transfers, checks or withdrawals per month/statement cycle2 Up to 6 transfers, checks or withdrawals per month/statement cycle2 Up to 6 transfers, checks or withdrawals per month/statement cycle2 Up to 6 transfers, checks or withdrawals per month/statement cycle2
Interest Earning
Combined Statement Upon Request
Check Writing Ability
For Youth up to 18 years old1

1. Adult signatory required. 2. In accordance with limitations set by Federal regulations, this account is allowed up to six (6) transfers or withdrawals per month or statement cycle (if your statement cycles mid-month) including by means of a transfer (preauthorized, automatic, telephone or online), check, draft, debit card or similar order to a third party. Activity in excess of the allowable Federal limit may result in the account being converted or closed. Transfers or withdrawals of any kind posted to the account in excess of six (6) per month or statement cycle (if your statement cycles mid-month) will be assessed a $15 Excess Activity Fee per transfer or withdrawal.

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Certificates of Deposit

Certificates of Deposit (CDs) are one of the most reliable investment tools available. CDs deliver a competitive rate of interest that won't change with market fluctuations – plus the peace of mind that comes with FDIC insurance.

  • Certificates of Deposit

    Guaranteed interest rate independent of market fluctuations.

  • You Choose CD

    Greater control and improved earning potential throughout your term.

  • Access CD

    More flexibile than a traditional CD.

  • CDARS®

    Expand your options and maximize your return.

How is your retirement planning going?

Our MB&T Advisors team can help you plan for and manage your future, today.

Let’s start a conversation.