| Minimum to Open | $100 | 
| Monthly Service Charge | $17 | 
| Ways to Waive Monthly Service Charge Only one option required per account  | $7,500 average monthly collected balance1 20 debit card purchases per month2 Nonprofit status  | 
| Activity Fees | First 250 transactions: No fee Over 250 transactions: $.30 each  | 
| Cash Deposit Processing Fee3 | First $10,000; No fee Over $10,000; $.20 per $100  | 
| Monthly Paper Statement Fee Waived with electronic statement enrollment  | $5 | 
| Features | Benefits included: (no additional fees: no enrollment required) $.10 cash back on debit card purchases up to $20 each month4 Up to $75 discount on 1st order of checks at account opening Up to $12 domestic ATM surcharge refunds each month Incoming domestic wires Notary services Additional benefits available: (no additional fees; requires enrollment) External transfers5 Fraud protection (check and ACH positive pay) Overdraft transfers from deposit accounts Business debit card Eligible treasury services: (additional fees apply6; requires enrollment) Remote deposit capture ACH origination Wire origination  | 
        First Vice President, Banking Relationship Manager
                                     Send
                        E-mail 
                                                     805 730 7864
                                                    NMLSR: #1484454
                                                    Location: Santa Barbara
                            
        Vice President, Senior Client Services Officer
                                     Send
                        E-mail 
                                                     805 540 6243
                                                    NMLSR: #1097395
                                                    Location: San Luis Obispo
                            
        First Vice President, Regional Branch Manager
                                     Send
                        E-mail 
                                                     805 296 1771
                                                    NMLSR: #1038237
                                                    Location: Paso Robles
                            
                        Choose from our popular business credit card options such as low rate, cash back or flexible rewards to find the one that works best for your business.
                        Only pay for the products you need with our build-your-own online and mobile banking platform.
                        Fight back against business check and ACH fraud. Our comprehensive transaction management system encompasses check positive pay and ACH positive pay—in a single platform.
American Riviera Bank knows and cares about our customers.