True Community Banking

What does True Community Banking mean? It means matching our expertise with yours to find solutions for your unique needs.

Business Banking

Every business is unique, which is why our business banking experts take the time to learn about your company's needs so we can offer the best solutions. We offer accounts and services that give you the maximum amount of flexibility and choice.

Corporate Banking

Your success strengthens more than just your business—it strengthens our community. Our business banking experts are here to make your day-to-day operations simpler and your long-term goals more achievable.

Personal Banking

Banking is about more than just checking and savings accounts. As a full-service community bank, we offer all the options you’d expect at a big bank from bankers who know you by name and can help you pick the best products and services to meet your needs.

NEW Simply Checking Account is Bank On Certified!

Our brand new, nationally certified Simply Checking account was designed to offer accessible and affordable banking products to our community. With a variety of ways to avoid the monthly service charge, Simply Checking is the perfect fit for those who use their checking account a lot and don't want to worry about maintaining high balances!

Click here to learn more about our Bank On Certification!

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Business Checking Help

Maximizing the benefits of your business checking account starts with selecting the right account. Not sure which is best for your business? Try our product picker!

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Improve your bill pay experience

Biller Direct is a debit card-enabled bill pay solution designed to dramatically improve your bill pay experience.

Not only will it handle all your bills in an easier, more intuitive way, it also allows you to make payments with your ARB debit card in real time - so you know exactly when your bills are paid.

Sign up for Biller Direct today!

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Apply for a mortgage from the comfort of your home!

Our secure Online Mortgage Portal lets you apply for a mortgage loan when and where its convenient for you. Create an account to come back later and finish or check on the status of your application.

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Corporate Online Banking

Enjoy all the benefits of Business Online Banking, with additional functionality designed for high-volume businesses who need more sophisticated features.

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    Why .BANK?

    Our .BANK domains help to prevent phishing attacks against our employees, customers and vendors by providing a visual identification cue for our emails and websites, and strong anti-spoofing technologies behind the scenes. Going forward, you can authenticate our emails and website simply by looking for the .BANK (rather than .com) at the end of our email addresses and at the end of our URL.

    If it’s not .BANK, it’s not us. Some of our trusted vendors use different domains, however we will verify the legitimacy and link to them directly from our .BANK website for convenience.

    Always start at our .BANK site!

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    Latest News & Articles


    What to Expect with Higher Interest Rates and Inflation

    Blog November 22, 2022 by Lori Murray

    Interest rates on 30-year fixed mortgages, the most common type in the United States, have increased to around 7 percent. It is expected that the Federal Reserve, or Fed, will raise interest rates another 0.75 percentage points next month, with more…


    American Riviera Bancorp Announces Stock Dividend

    News item October 28, 2022 by Michelle Martinich

    Santa Barbara, California (October 27, 2022) – American Riviera Bancorp (“Company”) (OTCQX: ARBV), holding company of American Riviera Bank (“Bank”), today announced that the Board of Directors declared a 10% stock dividend payable on November 24,…


    Workforce Housing on the Central Coast: The Missing Middle

    Podcast November 24, 2022 by Regional Pulse Podcast

    Lori Murray, Senior Vice President and Residential Lending Manager at American Riviera Bank, discusses the workforce housing situation on the Central Coast with Jon Standring of the Coastal Housing Coalition, including the "Missing Middle," accessor…