Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community bank, $1B to $10B

Montecito Bank & Trust

Santa Barbara, CaliforniaBankSan Francisco Fed districtFees collected Mar 17, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Check Imaging on Paper Statements$2.50Within the typical range ($2–$5 nationally)

Knox deterministic extraction from Rosetta artifact #5601. canonical_hint=paper_statement; text_hash=65b349a8e653ce2e4eb71fcfcad11d1747e3b0a8de5b04d4f8dfcbe18570e0c3; excerpt="Check Imaging on Paper Statements | $2.50 per statement | operator if the ATM/POS fee or surcharge is identified as a separate transaction. For Cashback" · Source

CheckCapture Maintenance Fee$40

$34.05 above the national median

per month · Knox deterministic extraction from Rosetta artifact #5601. canonical_hint=monthly_maintenance; text_hash=65b349a8e653ce2e4eb71fcfcad11d1747e3b0a8de5b04d4f8dfcbe18570e0c3; excerpt="CheckCapture Maintenance Fee | $40.00 per month | Commercial Deposits - Per Deposit Adjustment" · Source

Maintenance Fee$8

$2.05 above the national median

Knox deterministic extraction from Rosetta artifact #5601. canonical_hint=monthly_maintenance; text_hash=65b349a8e653ce2e4eb71fcfcad11d1747e3b0a8de5b04d4f8dfcbe18570e0c3; excerpt="Maintenance Fee | $8 | $15 | $25 | $0 | $0 | $9 per quarter | $5 | $10 | $10" · Source

Monthly Fee (if balance falls below )$3

$2.95 below the national median

per month · Knox deterministic extraction from Rosetta artifact #5601. canonical_hint=monthly_maintenance; text_hash=65b349a8e653ce2e4eb71fcfcad11d1747e3b0a8de5b04d4f8dfcbe18570e0c3; excerpt="Monthly Fee (if balance falls below $100) | $3.00" · Source

Monthly Maintenance Fee$0

$5.95 below the national median

per month · Knox read a free fee from Rosetta artifact #5601. canonical_hint=monthly_maintenance; text_hash=65b349a8e653ce2e4eb71fcfcad11d1747e3b0a8de5b04d4f8dfcbe18570e0c3; excerpt="Monthly Maintenance Fee | $0 | $18" · Source

Overdraft & NSFVerified

Overdraft Paid Fee$34Above the typical range ($25–$30 nationally)
$4 above the national median
Knox deterministic extraction from Rosetta artifact #5601. canonical_hint=overdraft; text_hash=65b349a8e653ce2e4eb71fcfcad11d1747e3b0a8de5b04d4f8dfcbe18570e0c3; excerpt="Overdraft Paid Fee | $34.00 | Miscellaneous Services" · Source
Returned Item Fee (Business Accounts Only)$9Below the typical range ($25–$31 nationally)
$21 below the national median
per item · Knox deterministic extraction from Rosetta artifact #5601. canonical_hint=nsf; text_hash=65b349a8e653ce2e4eb71fcfcad11d1747e3b0a8de5b04d4f8dfcbe18570e0c3; excerpt="Returned Item Fee (Business Accounts Only) | $9.00 per item" · Source
Returned Item Fee (Check & ACH)$10Below the typical range ($25–$31 nationally)
$20 below the national median
per item · Knox deterministic extraction from Rosetta artifact #5601. canonical_hint=nsf; text_hash=65b349a8e653ce2e4eb71fcfcad11d1747e3b0a8de5b04d4f8dfcbe18570e0c3; excerpt="Returned Item Fee (Check & ACH) | $10.00 per item | Late Order Type | $16.6400 per order" · Source

ATM & CardVerified

annually | ATM or Debit Card Rush Replacement$50Within the typical range ($30–$50 nationally)
$6.25 above the national median
per year · Knox deterministic extraction from Rosetta artifact #5601. canonical_hint=rush_card; text_hash=65b349a8e653ce2e4eb71fcfcad11d1747e3b0a8de5b04d4f8dfcbe18570e0c3; excerpt="Night Depository Service | $50.00 annually | ATM or Debit Card Rush Replacement | $50.00" · Source
Check Printing | Prices vary | ATM Fee (non-MB&T ATM surcharge)$2.50Within the typical range ($1–$2.50 nationally)
$1 above the national median
per transaction · Knox deterministic extraction from Rosetta artifact #5601. canonical_hint=atm_non_network; text_hash=65b349a8e653ce2e4eb71fcfcad11d1747e3b0a8de5b04d4f8dfcbe18570e0c3; excerpt="Check Printing | Prices vary | ATM Fee (non-MB&T ATM surcharge) | $2.50 per transaction" · Source

Wire TransfersVerified

Incoming Wire Fee$15Within the typical range ($5–$15 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #5601. canonical_hint=wire_domestic_incoming; text_hash=65b349a8e653ce2e4eb71fcfcad11d1747e3b0a8de5b04d4f8dfcbe18570e0c3; excerpt="Incoming Wire Fee | $15.00" · Source
Individual Retirement Arrangements | Outgoing Domestic Wire Fee$30Above the typical range ($20–$25 nationally)
$7.50 above the national median
Knox deterministic extraction from Rosetta artifact #5601. canonical_hint=wire_domestic_outgoing; text_hash=65b349a8e653ce2e4eb71fcfcad11d1747e3b0a8de5b04d4f8dfcbe18570e0c3; excerpt="Individual Retirement Arrangements | Outgoing Domestic Wire Fee | $30.00" · Source
Outgoing International Wire Fee$45Within the typical range ($40–$50 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #5601. canonical_hint=wire_intl_outgoing; text_hash=65b349a8e653ce2e4eb71fcfcad11d1747e3b0a8de5b04d4f8dfcbe18570e0c3; excerpt="Outgoing International Wire Fee | $45.00" · Source

Check ServicesVerified

Check Printing$2.50Within the typical range ($1–$12 nationally)
$2.50 below the national median
per transaction · Knox deterministic extraction from Rosetta artifact #5601. canonical_hint=check_printing; text_hash=65b349a8e653ce2e4eb71fcfcad11d1747e3b0a8de5b04d4f8dfcbe18570e0c3; excerpt="Check Printing | $2.50 per transaction" · Source
Temporary Checks$1Within the typical range ($1–$4 nationally)
$1 below the national median
per item · Knox deterministic extraction from Rosetta artifact #5601. canonical_hint=counter_check; text_hash=65b349a8e653ce2e4eb71fcfcad11d1747e3b0a8de5b04d4f8dfcbe18570e0c3; excerpt="Temporary Checks | $1.00 per check | Access Checking and Private Access Checking accounts: when you use a non-Montecito" · Source

Digital & ElectronicVerified

ACH Returned Item$5Below the typical range ($15–$30 nationally)
$20 below the national median
per month · Knox deterministic extraction from Rosetta artifact #5601. canonical_hint=ach_return; text_hash=65b349a8e653ce2e4eb71fcfcad11d1747e3b0a8de5b04d4f8dfcbe18570e0c3; excerpt="ACH Returned Item | $5.00 per ACH item | Monthly Maintenance" · Source
Applies to originated ACH transactions that are returned. | Business Analysis Checking$20Within the typical range ($15–$30 nationally)
$5 below the national median
per month · Knox deterministic extraction from Rosetta artifact #5601. canonical_hint=ach_return; text_hash=65b349a8e653ce2e4eb71fcfcad11d1747e3b0a8de5b04d4f8dfcbe18570e0c3; excerpt="Applies to originated ACH transactions that are returned. | Business Analysis Checking | $20.00 per month" · Source

Cash & DepositVerified

Night Depository Service$50Above the typical range ($5–$20 nationally)
$36.50 above the national median
per year · Knox deterministic extraction from Rosetta artifact #5601. canonical_hint=night_deposit; text_hash=65b349a8e653ce2e4eb71fcfcad11d1747e3b0a8de5b04d4f8dfcbe18570e0c3; excerpt="Night Depository Service | $50.00 annually | ATM or Debit Card Rush Replacement | $50.00" · Source

Account ServicesVerified

10 x 10 x 24$210Above the typical range ($25–$75 nationally)
$167.50 above the national median
Knox deterministic extraction from Rosetta artifact #5601. canonical_hint=safe_deposit_box; text_hash=65b349a8e653ce2e4eb71fcfcad11d1747e3b0a8de5b04d4f8dfcbe18570e0c3; excerpt="10 x 10 x 24 | $210 | • | • | • | • | • | • | •" · Source
3 x 10 x 24$100Above the typical range ($25–$75 nationally)
$57.50 above the national median
Knox deterministic extraction from Rosetta artifact #5601. canonical_hint=safe_deposit_box; text_hash=65b349a8e653ce2e4eb71fcfcad11d1747e3b0a8de5b04d4f8dfcbe18570e0c3; excerpt="3 x 10 x 24 | $100 | • | • | • | • | • | • | • | • | • | •" · Source
5 x 10 x 24$120Above the typical range ($25–$75 nationally)
$77.50 above the national median
Knox deterministic extraction from Rosetta artifact #5601. canonical_hint=safe_deposit_box; text_hash=65b349a8e653ce2e4eb71fcfcad11d1747e3b0a8de5b04d4f8dfcbe18570e0c3; excerpt="5 x 10 x 24 | $120 | • | • | • | •" · Source
5 x 5 x 24$85Above the typical range ($25–$75 nationally)
$42.50 above the national median
Knox deterministic extraction from Rosetta artifact #5601. canonical_hint=safe_deposit_box; text_hash=65b349a8e653ce2e4eb71fcfcad11d1747e3b0a8de5b04d4f8dfcbe18570e0c3; excerpt="5 x 5 x 24 | $85 | • | • | • | • | • | • | •" · Source
6 x 10 x 24$125Above the typical range ($25–$75 nationally)
$82.50 above the national median
Knox deterministic extraction from Rosetta artifact #5601. canonical_hint=safe_deposit_box; text_hash=65b349a8e653ce2e4eb71fcfcad11d1747e3b0a8de5b04d4f8dfcbe18570e0c3; excerpt="6 x 10 x 24 | $125 | • | • | • | • | •" · Source
Legal Process, per service$125Within the typical range ($30–$125 nationally)
$50 above the national median
Knox deterministic extraction from Rosetta artifact #5601. canonical_hint=legal_process; text_hash=65b349a8e653ce2e4eb71fcfcad11d1747e3b0a8de5b04d4f8dfcbe18570e0c3; excerpt="Legal Process, per service / $125.00" · Source
Notary Public (available to MB&T customers only)$15Above the typical range ($0–$5 nationally)
$12.50 above the national median
Knox deterministic extraction from Rosetta artifact #5601. canonical_hint=notary_fee; text_hash=65b349a8e653ce2e4eb71fcfcad11d1747e3b0a8de5b04d4f8dfcbe18570e0c3; excerpt="Notary Public (available to MB&T customers only) | $15.00 per signature | Record Retrieval | $0.25 per copy" · Source
Safe Deposit Box 3x5x24$65Within the typical range ($25–$75 nationally)
$22.50 above the national median
per year · Source

Other FeesVerified

Interim Statements$5Within the typical range ($2–$5 nationally)
$2 above the national median
Knox deterministic extraction from Rosetta artifact #5601. canonical_hint=document_reproduction; text_hash=65b349a8e653ce2e4eb71fcfcad11d1747e3b0a8de5b04d4f8dfcbe18570e0c3; excerpt="Interim Statements | $5.00 per statement" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Check Imaging on Paper Statements	$2.50Within the typical range ($2–$5 nationally)	$0.50 below the national median	—	Knox deterministic extraction from Rosetta artifact #5601. canonical_hint=paper_statement; text_hash=65b349a8e653ce2e4eb71fcfcad11d1747e3b0a8de5b04d4f8dfcbe18570e0c3; excerpt="Check Imaging on Paper Statements \| $2.50 per statement \| operator if the ATM/POS fee or surcharge is identified as a separate transaction. For Cashback"	Source
CheckCapture Maintenance Fee	$40Above the typical range ($3–$10 nationally)	$34.05 above the national median	per month	Knox deterministic extraction from Rosetta artifact #5601. canonical_hint=monthly_maintenance; text_hash=65b349a8e653ce2e4eb71fcfcad11d1747e3b0a8de5b04d4f8dfcbe18570e0c3; excerpt="CheckCapture Maintenance Fee \| $40.00 per month \| Commercial Deposits - Per Deposit Adjustment"	Source
Maintenance Fee	$8Within the typical range ($3–$10 nationally)	$2.05 above the national median	—	Knox deterministic extraction from Rosetta artifact #5601. canonical_hint=monthly_maintenance; text_hash=65b349a8e653ce2e4eb71fcfcad11d1747e3b0a8de5b04d4f8dfcbe18570e0c3; excerpt="Maintenance Fee \| $8 \| $15 \| $25 \| $0 \| $0 \| $9 per quarter \| $5 \| $10 \| $10"	Source
Monthly Fee (if balance falls below )	$3Within the typical range ($3–$10 nationally)	$2.95 below the national median	per month	Knox deterministic extraction from Rosetta artifact #5601. canonical_hint=monthly_maintenance; text_hash=65b349a8e653ce2e4eb71fcfcad11d1747e3b0a8de5b04d4f8dfcbe18570e0c3; excerpt="Monthly Fee (if balance falls below $100) \| $3.00"	Source
Monthly Maintenance Fee	$0Below the typical range ($3–$10 nationally)	$5.95 below the national median	per month	Knox read a free fee from Rosetta artifact #5601. canonical_hint=monthly_maintenance; text_hash=65b349a8e653ce2e4eb71fcfcad11d1747e3b0a8de5b04d4f8dfcbe18570e0c3; excerpt="Monthly Maintenance Fee \| $0 \| $18"	Source
Overdraft & NSFVerified
Overdraft Paid Fee	$34Above the typical range ($25–$30 nationally)	$4 above the national median	—	Knox deterministic extraction from Rosetta artifact #5601. canonical_hint=overdraft; text_hash=65b349a8e653ce2e4eb71fcfcad11d1747e3b0a8de5b04d4f8dfcbe18570e0c3; excerpt="Overdraft Paid Fee \| $34.00 \| Miscellaneous Services"	Source
Returned Item Fee (Business Accounts Only)
ATM & CardVerified
annually \| ATM or Debit Card Rush Replacement	$50Within the typical range ($30–$50 nationally)	$6.25 above the national median	per year	Knox deterministic extraction from Rosetta artifact #5601. canonical_hint=rush_card; text_hash=65b349a8e653ce2e4eb71fcfcad11d1747e3b0a8de5b04d4f8dfcbe18570e0c3; excerpt="Night Depository Service \| $50.00 annually \| ATM or Debit Card Rush Replacement \| $50.00"	Source
Check Printing \| Prices vary \| ATM Fee (non-MB&T ATM surcharge)
Wire TransfersVerified
Incoming Wire Fee	$15Within the typical range ($5–$15 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #5601. canonical_hint=wire_domestic_incoming; text_hash=65b349a8e653ce2e4eb71fcfcad11d1747e3b0a8de5b04d4f8dfcbe18570e0c3; excerpt="Incoming Wire Fee \| $15.00"	Source
Individual Retirement Arrangements \| Outgoing Domestic Wire Fee
Check ServicesVerified
Check Printing	$2.50Within the typical range ($1–$12 nationally)	$2.50 below the national median	per transaction	Knox deterministic extraction from Rosetta artifact #5601. canonical_hint=check_printing; text_hash=65b349a8e653ce2e4eb71fcfcad11d1747e3b0a8de5b04d4f8dfcbe18570e0c3; excerpt="Check Printing \| $2.50 per transaction"	Source
Temporary Checks
Digital & ElectronicVerified
ACH Returned Item	$5Below the typical range ($15–$30 nationally)	$20 below the national median	per month	Knox deterministic extraction from Rosetta artifact #5601. canonical_hint=ach_return; text_hash=65b349a8e653ce2e4eb71fcfcad11d1747e3b0a8de5b04d4f8dfcbe18570e0c3; excerpt="ACH Returned Item \| $5.00 per ACH item \| Monthly Maintenance"	Source
Applies to originated ACH transactions that are returned. \| Business Analysis Checking
Cash & DepositVerified
Night Depository Service	$50Above the typical range ($5–$20 nationally)	$36.50 above the national median	per year	Knox deterministic extraction from Rosetta artifact #5601. canonical_hint=night_deposit; text_hash=65b349a8e653ce2e4eb71fcfcad11d1747e3b0a8de5b04d4f8dfcbe18570e0c3; excerpt="Night Depository Service \| $50.00 annually \| ATM or Debit Card Rush Replacement \| $50.00"	Source
Account ServicesVerified
10 x 10 x 24	$210Above the typical range ($25–$75 nationally)	$167.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #5601. canonical_hint=safe_deposit_box; text_hash=65b349a8e653ce2e4eb71fcfcad11d1747e3b0a8de5b04d4f8dfcbe18570e0c3; excerpt="10 x 10 x 24 \| $210 \| • \| • \| • \| • \| • \| • \| •"	Source
3 x 10 x 24
Other FeesVerified
Interim Statements	$5Within the typical range ($2–$5 nationally)	$2 above the national median	—	Knox deterministic extraction from Rosetta artifact #5601. canonical_hint=document_reproduction; text_hash=65b349a8e653ce2e4eb71fcfcad11d1747e3b0a8de5b04d4f8dfcbe18570e0c3; excerpt="Interim Statements \| $5.00 per statement"	Source

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$34

Overdraft fee: $34

13% above the national median overdraft fee

Total fees: 27

Published fees

Under review

Assets

$2.0B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$2.0B

Total deposits

$1.7B

Service charge income

$408K

Fee income ratio

1.9%

Return on assets

0.55%

Branches

Service charge income by quarter

Q2 2026$408K

Q1 2026$360K

Q4 2025$359K

Q3 2025$356K

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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Based on 25,267 verified fees from 2,206 institutions

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