This is probably the worst local bank institution. I've been a member since 2013. It has always very difficult to do things like access my account online or do mobile deposits. After upgrading their website from the 90s, customers including myself continue to have issues. Recently, I wrote a check for myself using the standard Montecito Bank and Trust check to deposit to another account. Note, both name and account number are fillable. After correctly writing the account number, I was charged a NSF. Although I had the funds in the account. I stopped by in person and the clerk confirmed the account number was correct. And was not sure why that had happens. She told me she could not refund me the full NSF fee but could maybe split it with me. I really though this was some kind of joke. She explained that where you open your account originally is where the branch manager decides the amount of the fee and if they will provide a refund. All the locations operate under Montecito Bank & Trust but the policies and regulations implemented are up to the specific manager in that branch. So if you open a bank account in Santa Barbara and move to Solvang you'll have to drive or call your original branch to discuss any fees. I do not recommend you wasting your time with this bank if you're looking for good customer service, mobile deposits or a user friendly website. read more

The staff here is amazing and so kind!! But the online banking system is a 0/10. Everything is being pushed to being online nowadays and this online banking system in particular is not up to par with other banks. I get logged out of my account in seconds if I press the wrong thing... and I am not hitting log out. The system also cannot be reached unless I am on a computer and at that point it is still glitchy. I do not recommend just because of the online banking but in all other areas they are a 10/10. read more

TL;DR DO NOT BANK WITH THESE YAHOO"S. Better off burying your money in a tin can in the back yard, at least you know where your money is. I moved to Santa Ynez and opened an account at this branch to facilitate paying my rent as my new landlord uses this branch in particular. I cannot for the life of me understand why anyone would bank with such an institution. I have had nothing but problems with these people. From losing money out of my account, admitting they lost it, and then taking 3 months to find it only to tell me that I should have screen shotted the original amount when it happened.....What in the actual F?!?!? Did you just tell me that I need to prove my account balance to you? And via screen shot from my phone? (In that case, give me 20 minutes, I'm gonna photoshop some money into my account, see what you think of that.) Your also telling me you cannot follow the money via my transactions? And you mean to tell me as a college graduate, you're unwilling to do the hard math and crunch some numbers to help a client out? Well fortunately I have an aptitude for numbers(Electromechanical Engineer). So I did your job for you and crunched the numbers to prove that my account is $3000 shy.......Not hard to see in my opinion. That was just one instance. Every morning around 3am, my account cycles to the previous days lowest balance, even if I've transferred money into the account to cover bills and rent and whatever. Once it cycles the other charges conveniently go through. Fortunately since these people suck at online banking, I don't get charged with OD fees. But it is concerning watching your account go from $$$$$$$ to $ and then back to $$$$$$$ a day later. Their website is atrocious and is constantly asking me to two factor authenticate even though I've clicked on I use this browser regularly, remember me. Nope, not gonna happen, remember me on this browser? No way Jose. I brought these things to their attention and was told I would get a follow up email to discuss matter.......crickets is what I hear. No contact, eye or otherwise. I transfer money between my three accounts (main, travel, and joint), it shows the transaction, on both accounts, but the balance of each account will stay the same for up to a day later. Electronic banking isn't that hard at this level, but Montecito Bank and Trust sure do make it seem like they are the union guy on the job site. They want to be on the job, but doesn't doesn't know their ass form their elbow. Not my usual interaction with any financial institution. Usually they hop to. Usually they want my money. Usually the banks are more than happy to help out a customer and figure out whats going on with the accounts. Here I've been told that it is what it is, better to just roll with it.......Fck That. Get your shit together MBT. I am unimpressed with their "customer service", knowledge of their own system, or lack there of, and they still can't offer personal credit cards. Not that I need one, but hell any fool institution worth their salt can offer you credit.... read more

I have been a customer of Montecito Bank for over 20 years. They handle my loans and private checking accounts and have an excellent wealth management team and trust department. Montecito Bank and Trust give back to the community, and these 1-star reviews read like someone has a personal vendetta and are very misleading. MBT is voted the #1 bank every year and has a loyal customer base. read more

My family and I have been going to this bank for many years. The staff are super helpful and friendly! You are always greeted immediately with warm smiles. Rose is always willing to answer any questions I may have regarding my account. Definitely a bank to TRUST. read more

Phenomenal service. Nobody looks foreard to going to the bank, but the ladies here always great me with a smile and make me feel comfortable. read more

This is by far the best bank I have ever visited. The ladies that work here are always dressed to impress. They have always taken extra good care of me and my family!! Definitely recommend. The branch manager Amy Hinkens is an exceptional addition to the valley!!! read more

The times that I have came into the bank to cash my checks, the staff has acknowledged me within seconds of walking in. Rosemarie has been the teller that has helped me. She always greets me with a smile and she is very helpful. I highly recommend this bank to others. read more

Great service and very friendly staff. I love baking with a company that is local and knows the Central Coast. They are always willing to help and my husband and I are always greater with a smile! read more

Honestly, taking the daily deposit into the bank is the highlight of my day! Behind every great company are extraordinary employees. Everyone in the Solvang branch are always so incredibly helpful and friendly. They are always willing to go the extra mile to make sure our business and personal needs are met. Thank you Rosemarie, Sophia, Maria, Devon & Melanie for all the laughs and for always sending me off with a huge smile on my face. Everyone there is like family, it truly is our community's bank. Thank you Montecito Bank & Trust for everything you do! read more

Great experience, quick and easy. I'm glad I decide to bank here! Every time I come here I'm always greeted with friendly smiles and helpful people. They always get me where I need to be in a timely manner! read more

I have been banking with Montecito for a year and I have never had any problems with any of their services. Friendly people and nice environment read more

Love this bank! Rosemarie always gives the best service.... always a joy to have her there!!!

I've always had reasonably good banking experiences. As I am moving to the Solvang area, I wanted to open a local checking account with a small opening balance. I chose MB&T for it's branch location. The branch staff seemed professional when I spoke to them on the phone. When I went by the bank, I was not surprised at the initial questions the bank's customer service representative asked (name, drivers license, social security number, address, and type of account would best suit me). Then the questions got more detailed. I wasn't sure if the questions were an effort to be sociable or actually required to open the account. Why was I moving to Solvang? What was my occupation, title, former employer? Where had I lived previously? When the street address of where I lived over 20 years ago (which I was surprised I could even remember or that mattered in setting up a new checking account) did not agree with information on her screen, there seemed to be confusion and a problem. At this point I stopped what apparently had turned into an interview with me the interviewee, and asked why the detailed questions. I was uncomfortable with the personal information the bank was trying to get from me to simply open a small checking account. The response was twofold-the bank wants to "get to know its customers" and it was required by the Patriot Act. I chose to stop the process and leave. MB&T was not upfront with me if they were trying to accumulate unnecessary personal information (presumably for marketing purposes). My subsequent research into the Patriot Act does not require the bank to pull that additional information, particularly not in this case. I would recommend that MB&T review either its new account opening procedures and/or the training it provides its staff. I certainly did not feel like a valued customer. I will build my local banking relationship elsewhere and encourage others to do the same. read more