Montecito Bank & Trust operates 10 full-service branches and ATMs across Santa Barbara and Ventura counties in California. Its offerings include business savings and checking, lending services, cash management, investment solutions and more. It has an A+ rating by the Better Business Bureau and a mix of positive and negative reviews online.
Montecito Bank & Trust Business Checking Rates & Fees
| Monthly Fee | No monthly fee |
| Minimum Balance Requirement | No minimum balance requirement |
| Transaction Fee | Up to 150 free transaction items per month; additional items are 40 cents each |
| Wire Transfer Fee | Incoming: $15 Outgoing (domestic): $30 Outgoing (international): $45 |
| Cash Deposit Fee | 14 cents per $100 |
| Overdraft Fee | $34 per item $34 per occurrence extended overdraft fee (charged once after account is overdrawn for 5 consecutive business days) |
| ATM Fee | Non-Montecito Bank & Trust ATM transactions $2 each |
Montecito Bank & Trust Network
Montecito Bank & Trust has 10 branches with ATMs across Santa Barbara and Ventura counties in California. You can use its branch locator to see what locations are closest to you.
Montecito Bank & Trust Additional Business Banking Services
Montecito Bank & Trust also offers the following business services: business savings and money market accounts, business lines of credit and business credit cards and wealth management as well as business loans, commercial real estate financing and Small Business Administration loans. Find out more about its small business offerings on its website.
| Online & Mobile Banking | ✓ |
| Business Savings | ✓ |
| Money Market Accounts | ✓ |
| Business Line of Credit | ✓ |
| Business Loans | ✓ |
| Business Credit Cards | ✓ |
| SBA Loans | ✓ |
| Commercial Real Estate Loans | ✓ |
| Wealth Management | ✓ |
Best Small Business Checking Account
Want to know what bank we named the best business checking account for small businesses? Read our business checking account buyer’s guide comparing the top six options.
