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For more details or to open an Access Checking account, please contact the branch nearest you.

“With Access Checking

3% APY

my great rate's locked in, but my money's not locked up”

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.

Montecito Bank & Trust What's your path?

* 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.



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