# MB&T — user reviews > 35 indexed App Store user reviews of MB&T by Montecito Bank and Trust, rated 4.80/5 from 2,004 ratings. - Source: https://appshunter.io/ios/app/mb-and-t/id1518921046/reviews - App overview in markdown: https://appshunter.io/ios/app/mb-and-t/id1518921046.md - Rating breakdown: 5★ 1,773 · 4★ 145 · 3★ 31 · 2★ 21 · 1★ 34 ## 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 ## Newest reviews (10 of 35) ### 2/5 — The app is poorly designed & hard to use. *2023-02-22, version 19.2.3* I’ve spent the last 2 hours trying to figure out how to transfer money from my MB&T account to my friend’s. It’s impossible. MB&T instructions don’t help because the icons they say are there are not. ### 5/5 — Best online banking app! *2021-11-10, version 19.2.2* Easy! This interface is far better than two other bank apps I use. ### 5/5 — Line of credit *2021-09-28, version 19.2.1* Was an excellent bank for 30+ years. Now suddenly cancelling my line of credit as I’m a pariah. Don’t trust this bank. ### 2/5 — iOS unfriendly *2021-07-26, version 19.2.1* On mobile devices (latest ios, horizontal on ipad, iphone) the app looks all wonky and is basically non responsive to the orientation of the device and does not automatically fill in login and password. No benefit over webversion login. ### 5/5 — Best Bank Ever! *2021-06-11, version 19.2.1* Love MB&T! Staff, Customer Service and Online Services are “Hands Down” the very best! ### 3/5 — Issues w/Transfers *2021-03-01, version 19.2.1* Every time I attempt a money transfer from one account to another, it fails. I have to attempt many times and end up having to use the desktop version. Please fix this!! Super annoying.. ### 5/5 — Worst app upgrade in history *2021-01-23, version 19.2.1* No longer able to use app to direct deposit checks...seriously? Even with iPhone12? Something is seriously wrong. ### 3/5 — Business check deposit has issues *2021-01-21, version 19.2.1* Nice to finally be able to do check deposits on business accounts, however, when doing multiple deposits one after another, the camera trigger doesn’t always work. Have to reset deposit several times to get the trigger to activate again. Rather frustrating when depositing several sequential checks . Running on new IPhone 12 Max pro with current IOS. Need to fix this. It is a real issue... ### 2/5 — Almost useless app *2020-11-22, version 19.2.1* Agree with all the comments about the new app. It’s much harder to see/get information needed for budgeting purposes. I miss the old app. ### 4/5 — Prefer previous website *2020-11-20, version 19.2.1* Still prefer ## Most critical reviews (10 lowest-rated) ### 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. ### 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. ### 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. ### 1/5 — Balance doesn’t update consistently. *2023-12-02* This app takes multiple days to update your balance. It does not update at all over weekends, including ATM withdrawals. Some online purchases get pulled from your account right away, some take a business week. There seems to be no way to tell which will be which. It’s very misleading and frustrating. ### 1/5 — Banking in the 1950s. *2023-11-26* Would not recommend. The physical bank is mediocre/atms are terrible. The app is awful. Does not update balance over weekends. The bank constantly lets online services double charge and then takes 10 days to reimburse. I’ve had to get 3 new ATM cards in 2023 simply due to ATM physical malfunctions. The atm did not electronically add funds after a deposit. The atm broke down during a withdrawal and had no electronic record of it. Again with another deposit. ### 1/5 — Horrible phone service *2022-08-16, version 19.2.3* Long long delays. Tells you to press ‘0’ to leave your number for a call back. Great idea, but it fails to do anything when you it ‘0’. ### 1/5 — Improve App *2021-09-21, version 19.2.1* New app update is so buggy and slow ### 1/5 — Trash app *2021-09-15, version 19.2.1* App is laggy and slow and depositing checks is such a struggle pictures never work ### 1/5 — this app is horrible *2021-08-10, version 19.2.1* First the new look visually seems more outdated than the previous version. Also trying to mobile deposit a check is near impossible and extremely frustrating. The previous version never gave me issues. I’ve opened with a new bank just to have this feature work when I’m out of town. Great people when I visit a branch and is the reason I’d stay but PLEASE fix that for us who need it. ## Most praised reviews (10 highest-rated) ### 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 ### 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. ### 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. ### 5/5 — Easy to Use App *2023-01-11, version 19.2.3* This app is good with managing my accounts and to transfer funds between them. The app frequently sends authorization codes to ensure it is me using the app. I also like the email feature for it stores communication I can reference. ### 5/5 — Easy to use. *2022-10-10, version 19.2.3* User Friendly! ### 5/5 — First time using the MBT App! *2022-07-27, version 19.2.3* It felt and worked just like on my PC to “Transfer” funds from one account to another! Saved me tons of time, expense & grief! TY -Michael ### 5/5 — Thanks *2021-12-13, version 19.2.2* Hi, your mobile banking is improving but is still not as good as good as Wells Fargo. That being said I would much rather bank with Montecito Bank than Wells Fargo. The mobile deposit camera is sluggish at times, often taking me 4 or 5 attempts at snapping the photo before it actually takes the photo, and I wish I had some deposit number or verification that I could write on the check or take a photo of that verifies that particular check deposit, not just that I made a deposit. All in all, I’m learning how to negotiate the App and it has been working fine (deposits going in, bill pay working great, etc) It’s just a bit awkward to use. I’ve been very pleased with Montecito Bank and Trust in general however. I appreciate the helpful tellers and bankers, and I feel good banking with a privately owned company. Thanks for listening, Dr. Amy Parker New review: The App is becoming much better. The camera is no longer slow when depositing checks, which was my primary complaint. All-in-all I’m very pleased using the App at this point. Thank you. --- *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.*