Montecito Bank & Trust is dedicated to making the communities we serve better places to live and work. Our associates work hard each and every day to fulfill this mission by offering financial solutions to our customers, delivered with the highest quality of service. We believe in the importance of investing in our communities in various ways – from the loans we make to individuals, families and businesses of all sizes to our ongoing volunteerism, financial outreach programs, and nonprofit support. We offer a variety of competitive deposit and lending solutions for businesses and consumers including business loans and lines of credit; commercial real estate finance; SBA loans; consumer loans; credit cards; merchant services; and online services, including mobile banking and cash management.