Nancy Boster and her staff are awesome. My wife and I have been a client of hers for about 20…read moreyears. She has insured us and our homes and multiple cars. She has been there with us through teenage drivers and unfortunately through a few car accidents. I never had to call an 800#, I call her office and get to talk to people who know me anD my family. I have never shop around for other insurance companies because they have always taken care of me. I would recommend Nancy and her staff all my friends and family.

The other day my dad went into their business and came home and told me how i should get my…read moreinsurance with them because they're very welcoming , charge low monthly prices and are very patience with young adults like me. Would i recommend this place ? YES!

So happy I called Smartway! They saved me money on my Insurance and walked me through the whole…read moreprocess so I could understand everything I have. I will definitely recommend this place to my friends and family!

The woman I spoke with was knowledgeable and caring, gave me her undivided attention and was…read moresympathetic and supportive! I could not have been more pleased with her assistance. I wish she had gotten her name, but it was.Friday morning about 9:30 in Lompoc. I had questions in regards to my brother passing .

It's barely a bank and focuses more on ATM users. Oh wait... the ATM has lousy hours.read more

Knowledgeable, attentive and will provide several options to fit your needs! That was my experience…read morewith Nick Fernandez. Nick listened to what I wanted and what my plans were, he knows the business well to offer several options that would work for me. He took the time to explain pros and cons for each option provided, he was available to calculate figures to get me the payment I was looking (for each plan). Nick was in communication with me every step of the way and even called after I signed the loan docs to see how my closing went and let me know when the loan funded. If you are buying a home or refinancing or just exploring options I highly recommend you call Nick, you won't be disappointed.

If you are thinking of purchasing a home please save yourself the headache and don't do business…read morewith this company. Buying a home is stressful enough and you do not need to have incompetent, unprofessional, unethical, irresponsive people working for you. My friend has had the most difficult time working with this company and they have failed her many times by making mistakes and then they try to cover it up. They do not know what their doing and take no responsibility for their lack of

I have worked with Jennifer Murray for years. She really cares and is not afraid to give you pros…read moreand cons of all options. She has also worked with other family members and is always attentive and honest. I highly recommend her for all of your financial planning needs including investments.

This is probably the worst local bank institution. I've been a member since 2013. It has always…read morevery difficult to do things like access my account online or do mobile deposits. After upgrading their website from the 90s, customers including myself continue to have issues. Recently, I wrote a check for myself using the standard Montecito Bank and Trust check to deposit to another account. Note, both name and account number are fillable. After correctly writing the account number, I was charged a NSF. Although I had the funds in the account. I stopped by in person and the clerk confirmed the account number was correct. And was not sure why that had happens. She told me she could not refund me the full NSF fee but could maybe split it with me. I really though this was some kind of joke. She explained that where you open your account originally is where the branch manager decides the amount of the fee and if they will provide a refund. All the locations operate under Montecito Bank & Trust but the policies and regulations implemented are up to the specific manager in that branch. So if you open a bank account in Santa Barbara and move to Solvang you'll have to drive or call your original branch to discuss any fees. I do not recommend you wasting your time with this bank if you're looking for good customer service, mobile deposits or a user friendly website.

TL;DR DO NOT BANK WITH THESE YAHOO"S…read more Better off burying your money in a tin can in the back yard, at least you know where your money is. I moved to Santa Ynez and opened an account at this branch to facilitate paying my rent as my new landlord uses this branch in particular. I cannot for the life of me understand why anyone would bank with such an institution. I have had nothing but problems with these people. From losing money out of my account, admitting they lost it, and then taking 3 months to find it only to tell me that I should have screen shotted the original amount when it happened.....What in the actual F?!?!? Did you just tell me that I need to prove my account balance to you? And via screen shot from my phone? (In that case, give me 20 minutes, I'm gonna photoshop some money into my account, see what you think of that.) Your also telling me you cannot follow the money via my transactions? And you mean to tell me as a college graduate, you're unwilling to do the hard math and crunch some numbers to help a client out? Well fortunately I have an aptitude for numbers(Electromechanical Engineer). So I did your job for you and crunched the numbers to prove that my account is $3000 shy.......Not hard to see in my opinion. That was just one instance. Every morning around 3am, my account cycles to the previous days lowest balance, even if I've transferred money into the account to cover bills and rent and whatever. Once it cycles the other charges conveniently go through. Fortunately since these people suck at online banking, I don't get charged with OD fees. But it is concerning watching your account go from $$$$$$$ to $ and then back to $$$$$$$ a day later. Their website is atrocious and is constantly asking me to two factor authenticate even though I've clicked on I use this browser regularly, remember me. Nope, not gonna happen, remember me on this browser? No way Jose. I brought these things to their attention and was told I would get a follow up email to discuss matter.......crickets is what I hear. No contact, eye or otherwise. I transfer money between my three accounts (main, travel, and joint), it shows the transaction, on both accounts, but the balance of each account will stay the same for up to a day later. Electronic banking isn't that hard at this level, but Montecito Bank and Trust sure do make it seem like they are the union guy on the job site. They want to be on the job, but doesn't doesn't know their ass form their elbow. Not my usual interaction with any financial institution. Usually they hop to. Usually they want my money. Usually the banks are more than happy to help out a customer and figure out whats going on with the accounts. Here I've been told that it is what it is, better to just roll with it.......Fck That. Get your shit together MBT. I am unimpressed with their "customer service", knowledge of their own system, or lack there of, and they still can't offer personal credit cards. Not that I need one, but hell any fool institution worth their salt can offer you credit....