16 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 24, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $8, the middle of its prices
Overdraft (OD)
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for California, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Bring fees, filings and market context together.
Amounts from Montecito Bank & Trust’s own schedules, with a source for each figure.
per month
per month
per month
per month
per month
per month
per month
per month
per year
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Cashback Checking Monthly Maintenance Fee | $15 | per month | None |
| Everyday Checking Monthly Maintenance Fee | $8 | per month | None |
| Maintenance Fee (audience not stated, treated as personal) | $8 | Not stated | None |
| Monthly maintenance fee (audience not stated, treated as personal) | $15 | per month | None |
| Monthly Maintenance Fee (audience not stated, treated as personal) | $8 | per month | None |
| Monthly Maintenance Fee | $25 | per month | None |
| Monthly Maintenance Fee (audience not stated, treated as personal) | No charge | per month | None |
| Monthly Fee (if balance falls below $100) | $3 | per month | None |
| Check Imaging on Paper Statements | $2.50 | Not stated | None |
Overdraft & NSF | |||
| Overdraft Paid Fee | $34 | Not stated | None |
| Returned Item Fee (Check & ACH) | $10 | per item | None |
ATM & Card | |||
| Check Printing: Prices vary: ATM Fee (non-MB&T ATM surcharge) | $2.50 | per transaction | None |
| ATM or Debit Card Rush Replacement | $50Not compared: Annual charge, not per item | per year | None |
| Rush Shipping Fee | $15 | Not stated | None |
Wire Transfers | |||
| Domestic Wire Fee | $15 | per item | None |
| Individual Retirement Arrangements: Outgoing Domestic Wire Fee | $30Not compared: CD/IRA fee | Not stated | None |
| Incoming Wire Fee | $15 | Not stated | None |
| International Wire Fee | $15 | per item | None |
| Outgoing International Wire Fee | $45 | Not stated | None |
Check Services | |||
| Check Printing | $2.50 | per transaction | None |
| Temporary Checks | $1 | per item | None |
Digital & Electronic | |||
| ACH Returned Item | $5Not compared: Monthly charge, not per item | per month | None |
Cash & Deposit | |||
| Night Depository Service | $50Not compared: Annual charge, not per item | per year | None |
Account Services | |||
| Notary Public (available to MB&T customers only) | $15 | per item | None |
| Safe Deposit Box 10 x 10 x 24 (audience not stated, treated as personal) | $210 | Not stated | None |
| Safe Deposit Box 15 x 11 x 24 (audience not stated, treated as personal) | $260 | Not stated | None |
| Safe Deposit Box 15 x 15 x 24 (audience not stated, treated as personal) | $270 | Not stated | None |
| Safe Deposit Box 3 x 10 x 24 (audience not stated, treated as personal) | $100 | Not stated | None |
| Safe Deposit Box 30 x 30 x 24 (audience not stated, treated as personal) | $510 | Not stated | None |
| Safe Deposit Box 30 x 30 x 42 (audience not stated, treated as personal) | $930 | Not stated | None |
| Safe Deposit Box 5 x 10 x 24 (audience not stated, treated as personal) | $120 | Not stated | None |
| Safe Deposit Box 5 x 5 x 24 (audience not stated, treated as personal) | $85 | Not stated | None |
| Safe Deposit Box 6 x 10 x 24 (audience not stated, treated as personal) | $125 | Not stated | None |
| Safe Deposit Box 60 x 30 x 42 (audience not stated, treated as personal) | $1,225 | Not stated | None |
| Legal Process, per service | $125 | Not stated | None |
Other Fees | |||
| Interim Statements | $5 | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Fee (if balance falls below $100) | $3 | per month | None |
| Check Imaging on Paper Statements | $2.50 | Not stated | None |
Overdraft & NSF | |||
| Overdraft Paid Fee | $34 | Not stated | None |
| Returned Item Fee (Business Accounts Only) | $9 | per item | None |
| Returned Item Fee (Check & ACH) | $10 | per item | None |
ATM & Card | |||
| Check Printing: Prices vary: ATM Fee (non-MB&T ATM surcharge) | $2.50 | per transaction | None |
| ATM or Debit Card Rush Replacement | $50Not compared: Annual charge, not per item | per year | None |
| Rush Shipping Fee | $15 | Not stated | None |
Wire Transfers | |||
| Domestic Wire Fee | $15 | per item | None |
| Incoming Wire Fee | $15 | Not stated | None |
| International Wire Fee | $15 | per item | None |
| Outgoing International Wire Fee | $45 | Not stated | None |
Check Services | |||
| Check Printing | $2.50 | per transaction | None |
| Temporary Checks | $1 | per item | None |
Digital & Electronic | |||
| ACH Returned Item | $5Not compared: Monthly charge, not per item | per month | None |
| Applies to originated ACH transactions that are returned. | Business Analysis Checking | $20Not compared: Monthly charge, not per item | per month | None |
Cash & Deposit | |||
| Night Depository Service | $50Not compared: Annual charge, not per item | per year | None |
Account Services | |||
| Notary Public (available to MB&T customers only) | $15 | per item | None |
| Legal Process, per service | $125 | Not stated | None |
Other Fees | |||
| Interim Statements | $5 | Not stated | None |
Oct 24, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
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