As you might expect, it includes the many important banking services you use every day a wide range of checking, savings and financing options as well as the convenience and efficiency of online banking. But at Montecito Bank & Trust, personal banking is also much more. It's our opportunity to get to know you, to understand your needs and goals, to suggest ideas that can help you prosper now and in the future. There's nothing we like more than customizing solutions that make your life work better, whether it involves Personal Banking or the many other areas of expertise that Montecito Bank & Trust is known for business banking, wealth management, community and nonprofit services. After all, your financial needs don't fit into a cubby hole. And neither does our commitment to you.