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3% APY
Montecito Bank & Trust is a Member of the FDIC.

We know deposit insurance information can be confusing.

Learn more straight from the FDIC.

Or watch our video explaining FDIC insurance.

Business Maximizer Line of Credit
 
 
 

“Finally, some good news —

my Business Maximizer® Line of Credit.” It isn't easy to find good news these days. So when my business needed cash, I turned to Montecito Bank & Trust for a solution.

That's why Montecito Bank & Trust offers the Business Maximizer® Line of Credit – a powerful financial solution designed specifically for small business owners. Just complete an easy one-page application, and you could have access to cash up to $100,000 in a couple of days. That's real flexibility and real control – in any economic environment.

Financial peace of mind – one of the many Paths to prosperity® you'll find at Montecito Bank & Trust.

What’s your path?

Montecito Bank & Trust

“With Access Checking

my great rate's locked in, but my money's not locked up” 3% APY No wonder it's called Access Checking. You get access to a generous rate of interest guaranteed through the end of the year. Plus access to your money whenever you need it. You can also count on ATM access every time, everywhere.** And many more free and convenient services.

Access Checking — one of the many Paths to prosperity® you'll find at Montecito Bank & Trust.

What's your path? Montecito Bank & Trust

* 3.00% Annual Percentage Yield (APY) will be paid on all Access Checking balances of $50,000 or greater through 12/31/08 and may change thereafter. Lower rates apply to balances below $50,000 and are guaranteed not to be reduced through 12/31/08 and may change thereafter: 0.20% APY for balances up to $9,999.99; 1.25% APY for balances from $10,000 to $49,999.99. Minimum balance to open an Access Checking account is $100. Fees may apply. Fees may reduce earnings.

** Montecito Bank & Trust does not charge fees for use of owned or non-owned ATMs within the 50 United States, Guam and Puerto Rico, crediting Access Checking accounts for ATM fees charged by third-party service providers.

Montecito Bank & Trust

“Giving back to my community

makes me feel like a million bucks!” When you bank with Montecito Bank & Trust, you play an important role in helping your community.

Your patronage and loyalty make it possible for us to continue Community DividendsSM, an annual program that donates $1 million to over 100 local nonprofit organizations. It's our privilege to recognize and support these outstanding organizations for the important contributions they make to the vitality of our communities.

At Montecito Bank & Trust, we are just as committed to helping our customers realize their own paths to prosperity.

Community Dividends. It's only one of the many Paths to prosperity® you'll find at Montecito Bank & Trust. What's your path?

Montecito Bank & Trust

Call for more information:
Carpinteria 805-684-0487
Goleta 805-564-0268
La Cumbre 805-564-0271
Montecito 805-564-0240
Santa Barbara 805-564-0213
Solvang 805-688-2300
Westlake Village 805-778-0611

Montecito Bank & Trust

“My business is on the move,

and my bank's with me every step of the way.” You know better than anyone that building your own business takes vision, creativity and lots of hard work. It also takes a special kind of banking relationship to support you as your business grows and evolves.

Although it seems most banks offer the same basic services, we think you'll find Montecito Bank & Trust distinctly different. That's because we make it our business to listen and understand. To collaborate and advise. And then to customize just the right solution for your current needs and future goals.

Personalized banking for businesses of every size. It's only one of the many Paths to prosperity® you'll find at Montecito Bank & Trust.

What's your path?

Montecito Bank & Trust

“I'm looking forward

to enjoying all the years ahead.” You've spent decades raising your family and building a career. Now it's time to enjoy all you've accomplished and explore new paths on life's journey.

But preserving what's taken a lifetime to build takes intelligent planning and skillful money management, the kind provided by the wealth management experts at Montecito Bank & Trust - well known for their integrity, personal client relationships and outstanding performance track record.

Wealth Management. It's only one of the many Paths to prosperity® brought to you by Montecito Bank & Trust.

What's your path?

Montecito Bank & Trust

“My life's taking a whole new direction,

thanks to a trusted old friend.” You've worked for decades to build your career. Or grow a respected business. Now it's time to enjoy what you've earned and explore new paths on life's journey.

But preserving what's taken a lifetime to build takes intelligent planning and skillful money management, the kind provided by the wealth management experts at Montecito Bank & Trust.

Our investment, trust and estate specialists are known throughout our community for their outstanding performance track record. For the honesty and integrity of their business practices. And especially for the ongoing personal relationships we maintain with our clients.

Wealth Management. It's only one of the many Paths to prosperity® you'll find at Montecito Bank & Trust.

What's your path?

Montecito Bank & Trust

“We're on the way

to securing our family's future.” At Montecito Bank & Trust, we're committed to helping you reach your financial goals - today, tomorrow and for a lifetime.

Juggling the competing priorities in our busy lives isn't easy. It takes a special kind of banking relationship to support you as your family's needs change and evolve.

Whether it's a home equity line to help you meet those unexpected household emergencies or investment planning to take the guesswork out of college tuition, we'll take the time to get to know you so that we can tailor flexible financial solutions just for you.

Customized financial services - one of the many Paths to prosperity® you'll find at Montecito Bank & Trust .

What's your path?

Montecito Bank & Trust

“Helping our community makes us

feel like a million bucks!” Through our Community DividendsSM program, Montecito Bank & Trust contributes $1,000,000 annually to over one hundred deserving local nonprofit organizations.

Front row, left to right: John Robinson, Executive Director, Santa Barbara Symphony; Michael Towbes, Chairman of the Board, Montecito Bank & Trust; Bonnie Campbell, Development Director, Santa Barbara Neighborhood Clinics.

Back row, left to right: Colette Hadley, Executive Director, Scholarship Foundation of Santa Barbara; Tom Reed, Executive Director, Unity Shoppe.


What's your path?

Montecito Bank & Trust

It's a new season!



Montecito Bank & Trust is proud to sponsor the opening of the 2007-2008 Santa Barbara Symphony season. It is our great pleasure to support Maestro Nir Kabaretti and all of the dedicated musicians and volunteers who have worked tirelessly to bring our community the Symphony's 55th year of performance, education and community outreach.

Supporting the performing arts and the prosperity of our community is an important part of who we are; we are just as committed to assisting our clients in the pursuit of their own paths to prosperity - whatever they might be.

At Montecito Bank & Trust we recognize our customers' Paths to prosperity® are as varied as the notes on a sheet of music. What's your path?

Montecito Bank & Trust

Fifth Annual
Montecito Bank & Trust
Community DividendsSM Luncheon



On November 15, 2007, it was our privilege to honor and support over a hundred local nonprofit organizations for the invaluable contribution they have made to the vitality of our communities.

We do this through Community DividendsSM, a program created five years ago to give back to the communities whose support and patronage have played such an instrumental role in our success.

At the luncheon, 135 organizations from Santa Barbara and Ventura Counties received Community Dividends checks totaling $1 million. We are proud to support them all, as their resources collectively serve and enrich a wide variety of individuals and programs throughout our communities.

On behalf of the 162 associates at Montecito Bank & Trust, we would like to wish you a very happy and healthy holiday season.

Montecito Bank & Trust

 
On Saturday, January 10, 2009, we will be upgrading our communications. On-Line Banker and Business Banker will be unavailable from approximately 3:00 PM to 4:00 PM. We apologize for any inconvenience this upgrade may cause our electronic banking customers.
 

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