True Community Banking

What does True Community Banking mean? It means working together to find solutions under even the most trying of circumstances.

Access your online account

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.

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.

PPP Forgiveness Webinar

We will be offering a forgiveness webinar on March 4, 2021 at 1 PM to help prepare you for using the new forms. As seating is limited, we will also be recording the webinar and posting it on our website for easy access. We will continue to post updates to our blog and FAQs as we receive new information.

Register Now

Lights, Camera, Save!

If you’re between 13 and 18 and ready to put your creativity (and your personal finance knowledge) to the test, then the American Bankers Association Foundation Lights, Camera, Save! video contest is for you! Send in a 30-second video about ways to be financially responsible, along with your Contestant Submission Packet, and you’re on your way to winning.

Learn more


The current crisis has changed the way we live, the way we do business, and the way we bank.

Please visit our COVID-19 Resource page for information about local resources, safe banking options, help for businesses, and ways to avoid becoming a victim of fraud during this time.

You will also find resources on topics like Paycheck Protection Program loans, elder abuse prevention and more in our blog, podcast, and webinar archives.

Learn more

Digital Wallet

Apple Pay, Google Pay, and Samsung Pay allow you to use your ARB debit card in stores using your smart phone or watch at contact-less payment terminals by employing near-field communication. You can also make purchases in apps and online and do person-to-person transactions.

Learn more

Why .BANK?

Our new .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!

Learn more

Latest News & Articles

Reducing Your Food Bill

Blog February 22, 2021 by Idea Vault Blog

Buying food is essential, of course, but if you’re not careful, it can also eat into your budget.

American Riviera Bank Reports Record Earnings and Growth

News item January 28, 2021 by Michelle Martinich

American Riviera Bank (OTC Markets: ARBV) announced today record unaudited net income of $7,378,000 ($1.45 per share) for the twelve months ended December 31, 2020. This represents a 15% increase in net income from the $6,393,000 ($1.27 per share)…

Unemployment, Education and Small Business: A Look at the Loc…

Podcast February 4, 2021 by Regional Pulse Podcast

Michelle Martinich, Executive Vice President and Chief Financial Officer at American Riviera Bank sits down with Peter Rupert, Professor of Economics at the University of California at Santa Barbara to discuss the economy on the Central Coast, inclu…