# MB&T

> Mobile banking app for account management, payments, and financial monitoring. (iPhone/iPad app by Montecito Bank and Trust.)

- Source: https://appshunter.io/ios/app/mb-and-t/id1518921046 (this page in markdown: same URL + `.md`)
- Developer: [Montecito Bank and Trust](https://appshunter.io/developer/723801449)
- Category: Finance
- Price: Free
- Rating: 4.80/5 from 2,004 App Store ratings · 35 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.0 · 116 MB
- Languages: American English
- Released: 2020-10-18
- Data updated: 2026-09-02
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/mb-and-t/id1518921046/reviews.md

## What is MB&T?

Monitor your accounts, make deposits, transfer funds, pay your bills, and send money to friends and family - all in one app! It’s fast, convenient and available to all MB&T online banking users.

Manage Your Accounts
• View account balances and transaction history
• Enable Fast Balances to view balances without logging in 

Monitor Your Finances
• Receive account alerts via email, text or mobile notifications
• Check your credit score and monitor your credit report
• Control your credit and debit card usage with CardControl

Make Deposits, Transfers and Payments
• Deposit checks1
• Transfer funds between accounts
• Send money to friends and family with Zelle®
• View and pay your bills with Bill Pay

Additionally, business clients can utilize:
• Zelle® for Business
• ACH File Transfers
• Domestic & International Wires (in USD)

If you need assistance with Mobile Banking, call (800) 348-0146 Mon-Fri (8am-6pm) and we'll be happy to help.
_____________

1Mobile check deposit feature is subject to eligibility and further review. Deposit limits and other restrictions apply. Camera permissions are necessary to use the Mobile Deposit feature.

Fees may apply for certain services. See Schedule of Fees and Charges for more details.

Member FDIC. Equal Opportunity Lender.

## Key features

- Account balance and transaction history
- Mobile check deposit
- Fund transfers
- Bill pay
- Send money with Zelle®
- Credit score monitoring
- Card controls

## What do users think of MB&T?

Overall sentiment: neutral

**Pros**

- 👍 Excellent personal service
- 👍 Easy to navigate app
- 👍 Useful mobile deposit feature
- 👍 Convenient online banking

**Cons**

- 🐛 Frequent app crashes
- 🐛 Balance not updating consistently
- 🐛 Unreliable customer support
- 🐛 Confusing app design changes
- 🐛 Slow mobile check deposit

**Commonly reported bugs**

- Balance not updating over weekends
- Inconsistent processing of online transactions
- Mobile check deposit issues

**Most requested features**

- Improve balance update consistency
- Enhance customer support availability
- Provide more intuitive app design

## Recent user reviews (10 of 35)

All indexed reviews: https://appshunter.io/ios/app/mb-and-t/id1518921046/reviews.md

### 5/5 — I Trust this bank

*2026-05-01, version 25.1.12*

No, two banks are created equal. Montecito Bank has always been a place where I feel comfortable and safe they make it about its customers. The tellers are terrific. The managers are so amazing and take care of all my needs great customer service and the products they offer are perfect for any business. 
Whether it’s a personal or business account, this is a wonderful Bank.

### 5/5 — 42 years

*2025-11-05, version 25.1.1*

The first time I became a customer of Montecito Bank and Trust was in 1983 for a car loan. So was the beginning of our relationship and continues today with my utmost appreciation for excellent service and communication.

### 5/5 — MB & T

*2025-03-31, version 23.3.4*

Always great personal service

### 1/5 — Really poor.

*2024-09-10, version 23.2.4*

Frequent crashes with no customer support available. Balance does not update over the weekend.

### 5/5 — Good bank app

*2024-07-03, version 23.2.3*

This app is very easy to navigate. I am able to take care of most of my banking needs on this app.

### 5/5 — Mobile Deposit

*2024-05-15, version 22.2.2*

I am always having a hard time depositing my checks. Have to try more than three times if not more and I follow the instructions.

### 1/5 — Worst App

*2024-05-02, version 22.2.2*

It is confusing.  Each time I visit the format has changed.  The screen doesn’t enlarge and it is difficult to read statements.  i am ready to change banks.

### 5/5 — Very pleased

*2024-04-18, version 22.2.2*

Very pleased with the ease of working with Montecito Bank. I use the mobile app primarily and don’t go to the branch often but when my wife and I do go in Maria Torres-Brown is always friendly and helpful. Still a true community bank.

### 1/5 — Misleading, non functional and no customer service.

*2024-02-05*

App doesn’t update balance over weekends. Purchases frequently do not draw funds from account for 3-5 days. No customer service after hours or on weekends. Only the core group of local decades long customers keep this bank afloat. Or it needs to be audited.

### 1/5 — Be very careful with this app.

*2024-02-02*

Balances do not update or offer customer service over weekends or holidays. Some refunds into account take an hour, some take 10 days. Zero consistency.

## Frequently asked questions about MB&T

### What can I do with the MB&T app?

The app allows you to monitor your accounts, view balances and transaction history, deposit checks, transfer funds between accounts, pay bills, and send money to friends and family using Zelle®. It also offers features like credit score monitoring and card controls.

### Is the MB&T app free to use?

The app itself is free to download and use. However, fees may apply for certain services as detailed in the Schedule of Fees and Charges. Mobile check deposit also has eligibility requirements and potential limits.

### Who is this app designed for?

This application is intended for all MB&T online banking users. Business clients can also utilize specific features like Zelle® for Business, ACH File Transfers, and Domestic & International Wires.

### How can I get help with the app?

If you need assistance with Mobile Banking, you can call (800) 348-0146. Support is available Monday through Friday from 8 am to 6 pm.

### What are the benefits of using the MB&T app?

The app provides a fast and convenient way to manage your finances. Key benefits include easy account monitoring, the ability to deposit checks remotely, seamless fund transfers, bill payment, and tools to monitor your credit and control your cards.

## Version history (last 5 releases)

### 25.1.12 — 2026-03-25

Minor bug fixes and enhancements.

### 25.1.2 — 2025-12-09

Personal Mobile Banking:
CardControl (aka Cards) now supports MB&T credit cards, including payments and rewards
Finance Manager now available on the mobile app from the hamburger menu
Business Mobile Banking:
CardControl (aka Cards) removed from the mobile app

### 25.1.1 — 2025-11-05

In this release we have added Zelle® for Business Online Banking users.

To ensure you always have the best version of our app, turn on automatic updates. Go to Settings > Apps > App Store and turn on “App Updates”.

### 23.3.4 — 2025-03-25

Thank you for choosing the Montecito Bank & Trust mobile app. In this update we have made several changes to enhance your mobile experience. Turn on automatic updates to ensure you always have the latest version of the app.
 
This update includes:
New Look & Feel – A modern, intuitive look for a seamless experience.
Easier Navigation – Find what you need faster with updated menus.
Tax Documents – Access your tax forms directly in the app.
Credit Score – Easily view your credit score from the dashboard.

### 23.2.4 — 2024-07-25

Minor enhancements and bug fixes

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## More apps by Montecito Bank and Trust

- [MB&T Commercial Center](https://appshunter.io/ios/app/mb-and-t-commercial-center/id1495091005)
- [MB&T CardControl](https://appshunter.io/ios/app/mb-and-t-cardcontrol/id1523314871)
- [MB&T Wealth](https://appshunter.io/ios/app/mb-and-t-wealth/id6736530976)

All apps by Montecito Bank and Trust: https://appshunter.io/developer/723801449

## Related topics

[montecito bank and trust](https://appshunter.io/ios/topics/montecito-bank-and-trust)

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-02.*