Banks & Credit Unions

About Us

As the largest independent and locally owned bank on the Central Coast, when you partner with Montecito Bank & Trust, you get the flexibility and friendly service you?d expect from a community bank, plus the innovation and technology you?d find at larger institutions. By understanding the needs of our customers and our communities, we are able to craft the solutions that best reflect what you need. We invite you to experience what you can accomplish with the Central Coast?s leading community bank on your side. Behind every great community is a great bank.TM.