Personal Business Wealth About Community COVID-19 Login Overview Digital Banking Checking Savings & CDs Investment Services Credit Cards Mortgage & Home Loans Additional Services Wealth Maximizer℠ Line of Credit Overdraft Protection Vehicle Loans Ready Cash Reserve Overdraft Protection A cushion for the unexpected. We offer two options to protect your account from accidental overdrafts. Savings Link Ready Cash Reserve Overdraft Coverage Link your checking account to your Montecito Bank & Trust savings account. Link your checking account to a personal line of credit that is specifically reserved for checking overdraft protection. How does it work? If you accidentally overdraw your checking account, funds to cover your specific checking balance shortages will transfer from your savings account into your checking account, up to the available balance in your savings account. Upon credit approval, an established limit is approved for your Ready Cash Reserve. Credit limits range from $500 to $10,000. Should you overdraw your checking account, funds in increments of $100.00 will transfer from your line of credit to your checking account to cover your checking overdrafts, up to your approved and available credit. Fees Fees Apply Fees Apply Purpose A back up plan for your MB&T checking account. Whether it’s saving you from the headaches returned checks and non-sufficient funds fees can cause or adding a little extra spending power to your budget – RCR is there when you need it.1 Learn More See our Schedule of Fees & Charges for additional information. 1. A RCR will prevent items from being returned unpaid to the extent that your available credit allows. Schedule an appointment Learn more about the Ready Cash Reserve here. Privacy Having Financial Difficulties? Articles Customer Service Surveys Security Disclosures & Rates Order Checks Accessibility What is .bank? ClickSWITCH Holidays Facebook Guidelines Alerts Resources Join Our Community Member FDIC Equal Housing Lender ©2021 Montecito Bank & Trust. All Rights Reserved.