Customer Support

Customer Support

All information on "Online and Mobile Banking". Don't see the answer to your question below? Read another topic, search for a different keyword, or get in touch.

How do I download a copy of my 1099?
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Go to Transactions, then select Statements. Under Yearend, click Summary to see a list of the Yearend Notices. Use the download button (arrow) to download the form.

How do I monitor my debit card transactions?
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You can stay in control of your debit card expenditures and keep your account safe from suspicious activity by checking online and mobile banking frequently. In addition, you can sign up for Card Alerts which notify you via text or email when transactions meet criteria you pick, including:

  • Minimum Transaction Amount
  • Fuel
  • International
  • Online/Phone/Mail Order
  • Card Not Present
  • ATM Withdrawals
  • Declines
  • Cash Back
How do I set up alerts on my account?
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In Online Banking, go to Settings, then Alerts. On the alerts landing page, you can view and update the security alerts or select the "New Alert" button to create an account, history, online transaction, or reminder alert.

Download the ARB Mobile App at the Apple App Store or Google Play Store.

How do I set up Apple Watch with online banking?
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Log into our app on the phone connected to your Apple Watch. Go to Settings then select Apple Watch. Follow the steps to add our app and be able to check your balance on the go.

How do I reset my password?
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At the bottom of the Online Banking login box, click Reset Password. It will ask you to enter your user name, then click Submit to reset your password.

Note: If you have made three unsuccessful attempts to login, you will not be able to reset your password on your own. Give us a call at 805 880 7606 and we would be happy to assist you.

How do I change my username or password?
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In Online Banking, go to Settings, then Security Preferences. You may change your password or username (Login ID) by clicking on the corresponding menu links. If you don't know your username, please call us at 805 880 7606.

How do I unlock my online banking account?
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If you have made three unsuccessful attempts to login, you will not be able to reset your password on your own. Give us a call at 805 880 7606 and we would be happy to assist you.

I need help with my online banking username or password.
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At the bottom of the Online Banking login box, click Reset Password. It will ask you to enter your user name, then click Submit to reset your password. You will be prompted to select a secure access code delivery method to confirm your identity. After entering the code you will be able to set up a new password. Note: If you have made three unsuccessful attempts to login, you will not be able to reset your password on your own. Give us a call at 805 880 7606 and we would be happy to assist you.

If you do not know your username, give us a call at 805 880 7606 and we would be happy to assist you.

How do I set up Touch or Face ID to login to online banking?
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In the ARB app, tap the button below the login box. It will be called Face ID, Touch ID or Biometrics, depending on your phone. Login with your username and password, then follow the steps to allow the ARB app to use your phone's biometrics settings to log into online banking.

How do I sign up for electronic statements?
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Go to Transactions, then select Statements. Selecting any account will open a new tab in your browser that will prompt you to confirm your information and the accounts you wish to enroll. When finished, click Enroll then accept the agreement on the next page.

How do I enroll in online banking?
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On the homepage of our website (americanriviera.bank), select the Enroll in Online Banking option at the bottom of the login box. Complete the form and click Submit Enrollment. We will review your information and send confirmation a email with your credentials.

Can I use Touch or Face ID to login to online banking?
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Yes. You will need to login with your username and password first, then you can enable the Touch or Face ID feature.

In the ARB app, tap the button below the login box. It will be called Face ID, Touch ID or Biometrics, depending on your phone. Login with your username and password, then follow the steps to allow the ARB app to use your phone's biometrics settings to log into online banking.

What are the system and browser requirements for online and mobile banking?
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Our online banking supports the current and two previous versions of Google Chrome, Mozilla Firefox, Microsoft Edge and Apple Safari. Our app is supported on Android 7.x and later versions and iOS 14.x and 13.x. Limited support is available for iOS12.x and 11.x. Internet Explorer 11 is no longer supported.

Is it safe to shop online with my debit card?
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The safest way to use your debit card to make purchases online is using Digital Wallet. Digital Wallet (Apple Pay, Google Pay, and Samsung Pay) allow you to make purchases in apps and online and do person-to-person transactions safely because, when you use one of these digital wallets, your card number is replaced by a unique code for each transaction. That means your actual debit card number is never shared, adding an extra layer of security when you shop.

If you use your debit card number directly:

  • Don't trust a website without checking on its security/encryption.
  • Get a street address, not a post office box, and telephone number, then call the seller to see if the telephone number is correct and working.
  • Check out the Better Business Bureau from the seller's rating and client feedback.
  • Be cautious when buying from individuals/companies located outside the U.S.
  • Don't send your debit card number by email or text.
  • Don't give anyone your debit card number by phone unless you initiated the call.
How do I notify the bank that I will be traveling?
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Go to Other Services, then select Travel Notifications. This page will prompt for your debit card information, departure date, return date, and the states or countries in which you plan to use the card.

How do I order a new debit card?
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The easiest way to get a new debit card is to come into your local branch. We can print you a card and you can create your personal identification number (PIN) in the branch so the card is ready-to-use before you leave. You can also give us a call at 805 965 5942 or send us a Secure Message through online and mobile banking and we can have a card and PIN mailed to you.

I've lost my debit card - what do I do?
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If it is during our business hours, call us immediately at 805 965 5942. If it is after hours, call 877 226 2351 immediately.

How do I change the PIN on my debit card?
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Stop by your local branch - you can choose a new personal identification number  (PIN) and test it out before you leave.

How do I set up card alerts?
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Give us a call at 805 965 5942, stop by your local branch, or send us a Secure Message through online and mobile banking. You may set up alerts for any of the following:

  • Minimum Transaction Amount
  • Fuel
  • International
  • Online/Phone/Mail Order
  • Card Not Present
  • ATM Withdrawals
  • Declines
  • Cash Back
What is the CVV and how do I find it?
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The CVV Number ("Card Verification Value") on your debit card is a 3-digit number found on the back of your card. Providing your CVV number to an online merchant proves that you actually have the physical credit or debit card - and helps to keep you safe while reducing fraud.

Your CVV is not your PIN (Personal Identification Number) - you should never provide your PIN to anyone.

How do I activate my debit card?
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Call the number that arrived in the mail with your card.

NOTE: Your Personal Identification Number (PIN) arrives separately.

Need help? Give us a call at 805 965 5942 or stop by your local branch.

What is a routing number and where can I find it?
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Your routing number identifies the location where your account was opened. You may be asked for your checking account routing number when you're making a payment online or by phone, or when you order checks. It's also referred to as an RTN, a routing transit number or an ABA routing number.

American Riviera Bank's routing number is 122244333.

You can also find the routing number on the bottom of your checks, next to your account number.

How do I get help with online banking?
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Give us a call at 805 880 7606, email us at , or send us a Secure Message through online and mobile banking.

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How do I increase my debit card limit?
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Debit card limits for personal accounts are $500 at an Automated Teller Machine (ATM) and $1,000 for Point of Sale (POS) transactions.

Debit card limits for business accounts are $500 at an Automated Teller Machine (ATM) and $2,500 for Point of Sale (POS) transactions.

If you need to have your limit temporarily raised, give us a call at 805 965 5942.

How do I place a stop payment?
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You can place a stop payment through online and mobile banking, give us a call at 805 965 5942, or stop by your local branch.

Where do I report account fraud?
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Give us a call at 805 965 5942, stop by your local branch, or send us a Secure Message through online and mobile banking.

Where can I find my tax documents?
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Tax documentation is mailed to you in January of each year. If you need a copy of your tax documentation, give us a call at 805 965 5942 or stop by your local branch. You can also access your tax documents in online and mobile banking.

What is multifactor authentication?
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Multifactor Authentication is an additional level of security to protect your online access. After entering a correct username and password, you will be prompted to select a "secure access delivery method." You can have the code emailed, sent in a text message (SMS), or receive a phone call. After entering the code provided, you will be directed to your online banking home page.

Download the ARB Mobile App at the Apple App Store or Google Play Store.

I'm traveling soon - what do I need to do before I go?
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Traveling can be hectic, so we’ve made things a little easier when it comes to your ARB accounts. You can use your mobile device anywhere to access your account online. 

Give us a call at 805 965 5942, stop by your local branch, or notify us through online and mobile banking with your trip details. Here’s a quick list of what we need to know while you’re away:

  • Dates you’ll be traveling
  • The location (city/country) that you’ll be visiting
  • A good phone number to reach you, if necessary
  • The cards you’d like access to while traveling
Where do I find my electronic statements?
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Go to Transactions, then Statements. Select any account to see the statements available. You may view or download the statements.

Haven't signed up for e-statements yet?

Go to Transactions, then select Statements. Selecting any account will open a new tab in your browser that will prompt you to confirm your information and the accounts you wish to enroll. When finished, click Enroll then accept the agreement on the next page.

How do I make a deposit using my mobile phone?
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Go to Transactions, then select Deposit Check and agree to the terms and conditions. It will ask you to select the deposit account you want the funds to go into, then enter the amount and take a picture of the front and back of the check before submitting it.

Things to keep in mind when making a mobile deposit:

  • You may only deposit a check into an account that matches the payee (if the check is made payable to Jane Doe, it may not be put into Jane Smith’s account).
  • You must endorse the back of your check with your signature, then write "For mobile deposit only at ARB" prior to taking a photo of the back of the check.
  • You may only deposit up to your daily deposit limit. You can find your remaining daily deposit limit listed under the amount field.
  • All deposits made before 5:00pm will be credited to your account that day. Deposits made after 5:00pm will post to your account the following day.

Download the ARB Mobile App at the Apple App Store or Google Play Store.

How do I make a loan payment in online banking?
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Go to Transactions, then select Loan Payments. The page will prompt for the "from" account and the loan you wish to make a payment to. There is a drop down of payment types to ensure your loan is paid correctly.

How do I add my loan to online banking?
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Reach out to your loan officer, or give us a call at 805 880 7606, or , or send us a secure message in online and mobile banking and we will get it set up for you.

When will my checks I ordered through online banking arrive?
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Check orders typically arrive 7-14 business days from the date submitted.

How far back do my electronic statements go?
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Your electronic statements will begin the month you sign up for them and will be stored for 12 months in Online Banking. If you need to keep statements for permanent record, we recommend you download them each month.

How far back does history go in online banking?
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Online History is limited by the amount of data. So a savings account with very little activity could see a few years of history and a business operating account with a lot of checks could only see a few months.

How do I set up a recurring transfer?
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Go to Transactions, then select Funds Transfer to begin setting up the transfer. After entering the "to account," "from account," and the amount, you can customize the frequency of the transfer to recur on a schedule.

When will my transfer be completed?
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Funds transfers are posted instantly to the account if today's date is selected.

If a future date is selected, funds transfers are posted during overnight processing, so you will see the completed transfer first thing in the morning of the day you selected.

Can I cancel a transfer?
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You may only cancel a transfer that is listed as Authorized. If the transfer was dated for the same day it was set up, it will process in real time so you will need to make a reverse transfer to put the funds back.

Go to Transactions, then select Online Activity and identify the transfer you would like to cancel. Click the kabob icon (three vertical dots) next to the dollar amount to access the menu. Select Cancel and confirm that you would like to cancel.

How do I transfer between my accounts?
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There are a variety of ways to get to the Transfers page:

  • Click the Transfer Money Now quick access button on the upper right section of your Home page.
  • Go to Transactions in the Menu and select Funds Transfer.
  • From your Account Activity page, click the Funds Transfer icon (two arrows pointing at each other).

Once you are on the Transfer page, select the account you would like to pay from and the account you are sending the funds to, then enter the amount and date to make the transfer. When you are ready click Transfer Funds.

How do I make a contribution to my Health Savings Account (HSA)?
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Go to Transactions, then select HSA Contributions. It will ask you to select the account the contribution will come from, as well as the HSA account, the amount, the date, and which tax year you want it applied to.

If you do not see your HSA account, please contact us at 805 880 7606 or , or send us a secure message and we will get it set up for you.

How do I dispute a debit card transaction?
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If it’s a merchant error that you accidentally authorized, please try to resolve it with the merchant.

If it's an unauthorized transaction, you can dispute the charge within online and mobile banking. Click the kabob icon (three vertical dots) to the right of the transaction to open the Options menu. Select dispute transaction from the menu to begin the claim.

You may also call us directly at 805 965 5942 or stop by your local branch for assistance.

Download the ARB Mobile App at the Apple App Store or Google Play Store.

Can I cancel or change a loan payment in online banking?
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Go to Transactions, then select Online Activity and identify the payment you would like to cancel or edit. Click the kabob icon (three vertical dots) next to the dollar amount to access the menu. Select cancel or edit and confirm the change you would like to make.

Note: You may only make changes to a payment that is listed as Authorized. If the payment has processed, please call us at 805 965 5942.

How do I export to Quicken/Quickbooks?
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To export transaction history manually to your financial management software, select an account from the online banking homepage. Select the download button above the search bar, then choose the file type to export to.

NOTE: You don't have to sign into the Bank's website to manually download transactions into your financial management software if you are using an Intuit product, Quicken/QuickBooks will do it automatically - Intuit's Direct Connect communicates directly with online banking. Follow the instructions in One Step Update within Quicken/QuickBooks to get started.

How do I view my account activity?
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All accounts linked to your online banking for viewing will be listed on your Home page. To view recent transactions click anywhere on the account tile or click the Options menu using the kabob icon (three vertical dots) on the account tile. Select View Activity.

Download the ARB Mobile App at the Apple App Store or Google Play Store.

How do I create a budget?
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You can create a budget by clicking the Budget tab at the top of the page. There will be an option to create a budget from scratch or auto-generate a budget based on your transactions. Under the Start from scratch option, you can manually enter budget amounts for transportation, utilities, entertainment, etc. The Auto-generate option groups together the categories present in your transaction history. If using auto-generate, you may wish to review the categories in your transaction history to check for accuracy before creating the budget.

What is link account?
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You can add a non-ARB account to Online Banking for the purpose of incorporating those transactions into your funds management tools, such as the budget feature, to give yourself a fuller picture of your finances.

How do I link an account?
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Click the Link account button on the top right of the home page. You can select the institution of the external account and enter the login credentials you use for that account.

How do I add a manual account?
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Click Add manual account on the top of the home page, then enter the account name, type, and balance of the account.

How do I stop payment on a check?
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You may place a stop payment on a single check or multiple checks (if they checks are in sequence) provided they have not already cleared your account.

Go to Other Services, then select Stop Payment. Choose the account the check was written against and enter the check details, such as, check number, amount, date, and payee name.

How do I transfer money to my account at another bank?
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In order to transfer funds from your ARB account to an account at another Financial Institution, you must set up an External Transfer, which links the two account in Online Banking.

Go to Other Services, then select Add External Account. This page will prompt for the account type, number, and routing number of the bank. After submitting the external account information, you will need to check the external account for micro-deposits (typically less than $1). These micro-deposits show in the external account in 2-3 business days. Once the micro deposits appear, log into your online banking and go to Other Services, then select Verify External Account. Once the account is verified, you may begin transferring money to the other account.

Can I cancel or change an external transfer?
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You may only cancel a transfer that is listed as Authorized. If the transfer was dated for the same day it was set up, it will process in real time so you will need to make a reverse transfer to put the funds back.

Go to Transactions, then select Online Activity and identify the transfer you would like to cancel or edit. Click the kabob icon (three vertical dots) next to the dollar amount to access the menu. Select Cancel or Edit and confirm what you would like to change.

How do I order checks in online banking?
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For first time orders, it is best to reach out to your nearest branch for assistance with your order, or call us at 805 965 5942.

To reorder checks, go to Other Services, then select Check Reorder. You can select the account you wish to order for, along with the starting check number and the number of boxes.

How do I send a wire transfer?
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Stop by your local branch and we would be happy to assist you. Due to the security risk of wire transfers, we cannot accept wire transfer requests via the phone or email. However, you may call us at 805 965 5942 or send wire instructions ahead of time (be sure to use encrypted email anytime you send account information via email) so we can prepare the documents for you to sign when you come in. Wire transfers are also available through business online banking for an additional charge.

What is Popmoney?
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Popmoney is an electronic funds transfer service (similar to using Venmo) offered through Bill Pay.

You can access Popmoney through the Bill Pay Management center. The system will prompt you to enter the recipient's first name, last name, and either their contact information or their banking info along with the payment information (amount, send date, paying account).

Download the ARB Mobile App at the Apple App Store or Google Play Store.

How do I set up Digital Wallet?
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To add your American Riviera Bank debit card to your device’s digital wallet, simply locate the appropriate app on your phone and follow the instructions for adding your card to the app.

Apple

Android

Samsung

NOTE: Digital wallets require verification with the bank. Make we have your current email address and phone number on file before trying to add your debit card to your digital wallet.

What do I do if my Debit Card is showing a transaction I don't recognize or there is an error in the amount?
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If it’s a merchant error that you accidentally authorized, please try to resolve it with the merchant first. If it's a transaction you don't recognize or remember, give us a call immediately at 805 965 5942, stop by your local branch, or notify us through Secure Messaging in online and mobile banking.

You can stay in control of your debit card expenditures and keep your account safe from suspicious activity by checking online and mobile banking frequently. In addition, you can sign up for Card Alerts which notify you via text or email when transactions meet criteria you pick, including:

  • Minimum Transaction Amount
  • Fuel
  • International
  • Online/Phone/Mail Order
  • Card Not Present
  • ATM Withdrawals
  • Declines
  • Cash Back
My bill payment didn't arrive; what do I do?
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If you have confirmed with the payee that the check has not arrived, your best bet is to reach out to Bill Pay Support directly at 888 918 7422. This will ensure the most timely response and quickest resolution.

How do I set up reminders in bill pay?
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In the Bill Pay Management center, locate the payee you'd like to enable reminders for and click Reminder. It will walk you through the steps to establish the new reminder for that payee.

Download the ARB Mobile App at the Apple App Store or Google Play Store.

How do I add a new biller to bill pay?
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In the Bill Pay Management center, select the Add Company or Person option at the top of your list of payees. This will open a window that will provide a list of common bill types or you can click the "person" tab to send to an individual.

Download the ARB Mobile App at the Apple App Store or Google Play Store.

What is the difference between Bill Pay Management and Quick Bill Pay?
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Quick Bill Pay allows you to quickly and easily send a payment to an established payee. Bill Pay Management allows you to add and delete payees, set up auto pay, and view detailed payment history.

How do I set up recurring bill payments?
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You may set up and manage recurring payments in the Bill Pay Management center. Simply locate the payee and click the AutoPay link. It will walk you through setting up an recurring schedule.

Download the ARB Mobile App at the Apple App Store or Google Play Store.

What is eBills?
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eBills is a service within Bill Pay Management that links to the statement coming from the biller. Bill Pay will send you a reminder and let you know how much is due and when. it will also store a copy of the bill within Bill Pay Management.

You may set up and manage eBills in the Bill Pay Management center. Simply locate the payee and click the eBills link. It will walk you through setting up an eBill. Note: Not all billers support eBills, but most larger billers (insurance companies, utilities, credit card companies, etc.) do.

Can I cancel a bill payment?
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You can cancel a payment as long as it is still in "pending" status.

Go to the Bill Pay Management center. The pending payments will be listed in their own section toward the right of the page. You may select Cancel to remove the payment entirely, or Change to make changes to the payment.

Download the ARB Mobile App at the Apple App Store or Google Play Store.

How do I set my bills to pay automatically?
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You can set up AutoPay within the Bill Pay Management center (in the Transactions menu).

If you have eBills set up, it will look at the bills for amounts and due dates. Click AutoPay, then Set Up AutoPay. It will have you select the delivery date, ask what amount you want to pay automatically, and allow you choose if you want to be notified and when.

If you have not set up eBills, you can manually add the information. Click AutoPay, then Set Up AutoPay. It will have you enter an amount, memo, delivery date, frequency, and duration, and allow you choose if you want to be notified and when.

    How do I know if a bill payment is being sent electronically or via check?
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    If the payment has already been made, click Activity, then select the transaction. It will list how it was processed, as well as when it should arrive and when it was debited from the account.

    If you have scheduled the payment, click Activity, then select the transaction. It will list how it will be processed (Check or Electronic) as well as when it should arrive.

    If you are in the process of making a payment, when you get to the “Review Payments” screen, if it is paying electronically, it will tell you when it will be delivered. If is being sent by check, it will estimate when the check may be cashed. Please note: the check may be cashed before the estimated date, so it is important to make sure you have enough money in your account to cover the payment if it cashed earlier than the estimate.

    How do I set up eBills?
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    You may set up and manage eBills in the Bill Pay Management center. Simply locate the payee and click the eBills link. It will walk you through setting up an eBill. Note: Not all billers support eBills, but most larger billers (insurance companies, utilities, credit card companies, etc.) do.

    Download the ARB Mobile App at the Apple App Store or Google Play Store.

    Ask an Expert

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    Digital Support

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    805-880-7606

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    Katie Stewart

    Assistant Vice President, Service Manager

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    805 335 8117
    NMLSR: #1166460
    Location: Montecito

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