Montecito Bank & Trust 3802 State Street, Santa Barbara, CA 93105

"Basic banking features. I wanted to establish accounts with a local bank so decided to bank with MB&T. The staff is nice but the service isn't great. I made some deposits and the teller had a lot of questions about the source of funds. Banks are required to collect information about transactions over a certain dollar amount but my deposit was nothing close to that amount. Basically it wasn't the teller nor the banks business on what the source of funds for my deposit was and I really didn't appreciate the prying questions. Not sure if I'll maintain my accounts here long term."

"PEOPLE BEWARE THIS BANK LOST $4000 OF MY CASH AND HASN'T RETURNED IT. I deposited $4000 from an ATM in 2 sets of 20x$100 bills. I received 2 slips confirming the correct amount was counted and opted for "no receipt" so no final receipt was printed. I threw the slips away, then realized the money never hit my account. The bank claims their balance history and cameras didn't catch it either. This is CRAZY. I have never heard of a bank's ATM losing money, and the bank not finding it; and I've worked years as a bank employee for different banks throughout my life. Find another place to store your money. Weather my money was stolen or lost somehow, I do not know, but I haven't gotten it back and they have concluded their investigation."

"This is the best bank! We've been with them for our personal and my business for almost 30 years now. The nicest people work there. Unlike Wells Fargo, where my husband's business banking is there is such a turnover in employees. MBT has people I've known for years. They greet me with my name when I come in. My business has been featured on their monthly table. They call me if something is arye with my account. Going into any one of there branches is a lovely experience, beautiful surroundings, I'm not bombarded with tons of advertising. I highly recommend MBT."

"Good community bank in Santa Barbara. I switched from Chase to MB&T about 5 years ago. Good free checking account. Good online banking. The mobile app is average. It does not have as much fancy technology as Chase or BofA but I like using a community bank and keeping my money locally. Good staff too."

"Several years ago I had a chance to open up an account at this bank. I chose not to because I didn't like they're customer service. Today I found out one of my clients got accidentally charged. I told her to call this bank and we would explain the error to see if they would waive the overdraft fee. The banker just contacted me and let me know that he said no. He also went to his senior to see if he could do it and they said no. Then proceeded to tell me he had no flexibility in the issue. If he had no flexibility in the issue why would he even bother going to his senior? He then told me that the bank doesn't get involved with third party disputes. What third party dispute is there? Everybody wants to know what the Occupy Wallstreet movement was all about? This is it."