We've been with American Riviera since it opened 20 years ago. Now we are aging and have had some…read moreproblems with scamming. The bank has been so supportive and kind in helping us. We feel safe and cared for.

From the moment i walked into the Bank, i was welcomed and met withGilbert Garcia. He was…read morewelcoming and turned out to be very accommodating and knowledgeable Branch manager came to greet me and offer any help, exceptional!!! Opened account very efficiently and perfectly met my needs Thank you American Riviera Bank *****

It is like they took classes on how to make life as difficult as possible during a trying time…read more Oh my god. Four visits later, after being told we didn't need ANOTHER appointment... We are sitting in the lobby trying to get my sisters estate handled. Compassion? No. Empathy? No. Professionalism? No. Cohesive messaging? No. None of the other banks were one fraction of this difficulty. I will never, ever, never ever do business with Bank of America.

I come to this bank quite frequently, at least once a week to deposit. I usually come during my…read morelunch which is after 12pm. I arrived to find a sign that they've temporarily adjusted their hours for today and tomorrow... the week of Fiestas. On the day of the Fiesta parade. Hmm a little too coincidental. The almost empty parking lot should've been a hint.

Gio, in the teller department, is a real win for Wells Fargo…read more Probably like you, you have met a lot of tellers: some are memorable. Some are not, some are problematic and some are the cream of the crop! He handled a deposit into a trust expertly. His manager A, who had to do part of the transaction, was also very efficient. Gio was professional with a great smile. I was prepared that There might be a slow down as my advisor said there could be depending upon the teller and yet it went so smoothly. Clearly I got the right One Thanks Gio Gio team and wells. Good find

Poor customer service, was in line while two tellers chatted and allowed the line to get long, when…read moreit was my turn the clerk seemed to not know how to do her job and had to call the manger over to essentially reassure her she was doing things correctly, I regret banking with Wells Fargo there's always someone who is inexperienced or just not trained well at the counter

Montecito Bank & Trust hasn't been my bank for nearly 40 years. Anytime I've had an issue, and that…read morehas been rare, they have resolved it very quickly. They're very helpful, knowledgeable, and a pleasure to deal with. I appreciate all the offerings I have for business businesses as well as personal.

Staff was able to assist me with getting a new debit card that had the touch feature quickly.read more

The ATM works and is the most functional part of this bank. The people working in the bank are not…read morevery attentive, stand around talking about personal events while you're waiting, and while you are eventually provided help I'm batting 0/3 when it comes to getting my needed task completed properly. Try the Montecito branch or upper State Street instead, in that order, if you want better service and to accomplish your banking needs.

This bank is customer oriented, friendly and the staff are almost always working in the customer's…read morebest interests. Not like Bank of America.

I wanted to open a bank account at Montecio Bank and Trust. I had a $100 unpaid debt to a previous…read morebank that I had paid off but still showed up in their system. The manager told me that if I brought in a letter from my previous bank saying that I had paid off the debt, then I could open an account. I did that, but they still wouldn't let me open an account. I went into the branch on four separate occasions to check on the status of my paid debt. Finally I called them and they said they showed I had paid off my debt, but that they couldn't issue me a debit card for SIX MONTHS. This was never mentioned by the manager or the personal banker. I imagine this is a good bank, but they clearly have poor communication and slow back end systems, as well as a manager who clearly leaves our rather important information.

I've been banking with different banks since a teen... And…read moredon't recall any that create such a great atmosphere to walk into... I'm a stickler for customer service And admit that I don't understand how to use the many banking slips that are available for banking needs.. Instead of going to atm My preferred choice is always to make my way to state street and visit the gals that make my life easier Whether your teller for the day is Laureen or the morning Crystal.... You are always in good hands amongst the complete staff they employ. These ladies that serve customer needs on a day to day basis always know how to treat customers. Remembering their first name and addressing them by it when the situation permits Montecito bank and trust has been a great place for me to bank with since I first signed up And I'm thrilled to share with you all my experience Another thing that I should mention... Montecito bank and trust is very active in helping out around the community.. And getting involved in local organizations Your banking with them goes a long way!!!

Keypoint Credit Union Review I recently relocated and…read morepurchased a home in another state, and during the move I accumulated more than $35,000 in credit card debt. With today's ridiculously high credit card interest rates, I was paying over $1,200 each month in minimum payments--payments that barely made a dent in the balance. Years ago, Kelly Heargreaves helped my wife and I finance our first home in Santa Barbara. Since then, she has also assisted us with car loans, refinancing our home, and other financial needs. Because of the trust she has earned over the years, I reached out to her for advice on how to tackle this growing credit card debt. Kelly patiently walked me through the process of obtaining a loan that allowed me to consolidate and pay off my credit cards at a much lower interest rate. I recently made my first payment on a six-year loan that would pay off the entire debt. It was less than half of what I had been paying each month just to cover the minimum credit card payments! The relief has been tremendous. I can't say enough about KeyPoint Credit Union and Kelly Heargreaves. Their professionalism, honesty, and genuine commitment to helping their members have made a lasting difference in my financial journey. After many years of outstanding service and sound financial guidance, I am truly grateful for everything they have done. I highly recommend KeyPoint Credit Union and Kelly to anyone looking for trustworthy financial advice and exceptional customer service.

I use KPCU for both my personal and business needs . Setup is easy and I have been with them for…read morewell over a year now . So far so good! The team makes you feel like family, and I highly recommend

terrible , I paid off my loan on July 31.2026 . August 3 rd they took money for the monthly…read morepayment! I called them and was bounced from one person to the other, and finally they told me to go in person to deal with their error.

My husband opened up two teen accounts for our kids. My 15…read moreyear old son was scammed and deposited two (bad) checks. Normally and especially with a teen account - you shouldn't be able to access the cash without the check clearing first! Common sense. Well not with chase! They advanced him the money, then the check bounced after they let him overdraft $850 dollars! Shocking especially being a teen account it should have guard rails. Chase held him liable even though they should have never released that money in the first place. What is the point of the teen account if it's not for situations like this? My son has been working off the money for months. Terrible bank

I've been a member of US Bank for over twenty (20) years. Every US Bank that I've visited, I've…read moreexperienced great service and professional employees. I was in Thailand and needed some verification to get some information and I called the manager of my Bank. They were great and provided me the information and documentation I needed.

We had accounts at Santa Barbara Bank and Trust for, literally, decades. It was a friendly LOCAL…read morebank. Then they were taken over by Union Bank. We weren't delighted, but, you know, inertia... and we stayed put. Now Union Bank has sold out to US Bank. Have you noticed how the new model for banks is to open local, drum up some customers, and then sell themselves to a bigger bank that wants to open up in that region? That's what's happening here, and I am really NOT happy this time. The new guys take over, and within a couple weeks they start charging fees for the checking account that used to be free. That's the other new model: Fee your customers to death. I told the teller at the walk-up window I didn't like the new fee, and she chirped "Oh, the lady right before complained about that, too!" Does this sound like good customer service to you? I'm going to look around for a nice LOCAL credit union and move our money (a substantial sum, by the way) there. Do you think the CEO of US Bank has hiked Rattlesnake Canyon trail? Do you think he's gone to the Solstice Parade? Has he strolled up State Street and pondered the empty storefronts? Does he give a hoot about SB? Nope. He has no connection to our town whatsoever. Again: I'm going to find a LOCAL financial institute where the guy in charge CARES about SB, and knows that I do notice, and react, when they jack up my fees without even telling me. I told this story to a friend, and he'd just had an even worse US Bank experience. He tried to pay his dentist with his debit card. It was declined, even though he had thousands of dollars in his account. His US Bank branch (in Ventura) was right across the street. He went in (with his walker, by the way), livid, and they couldn't explain why it was refused. He's going to move his money out, too. Bye-bye.

Walked 2 blocks from my hotel to get change... (from out of town)only had a hundred... wanted to…read moreleave a tip for maid service... bank wouldn't make change cuz I wasn't a customer. Bad community relations service. If you can't get change at bank then who? Tellers were rude... I guess you have to be a customer for kindness... good luck getting new customers ... cuz I'll never be one!

0 stars if I could. This bank is the perfect example of how…read morenot to treat customers. The staff is consistently rude, dismissive, and somehow always acts like helping you is an inconvenience. Every interaction feels shady--fees appear out of nowhere, answers change depending on who you talk to, and no one ever takes responsibility for anything. Customer service is a complete joke. You'll be put on hold forever, transferred repeatedly, and still walk away without a real answer. They're quick to take your money but suddenly unavailable when there's a problem they caused. Save yourself the stress, frustration, and wasted time. There are plenty of other banks out there that actually value their customers--this one clearly doesn't.