You can log into your online banking from our website or with our mobile banking app which can be downloaded from the Apple App Store or Google Play Store. On the website, you may enter your Login ID on the Home page then click login, or click the Login button in the top right hand corner of any other page.

Go to Commercial then Company Policy and select the payment type or feature you would like to make changes to.

Yes, this feature is available in Corporate Online Banking.

When uploading a payment from a file, you are given the option to Save the Recipients.

Yes, this feature is available in Corporate Online Banking.

You are able to upload a .csv file with up to 20 wire transactions to have them process together. There is a default format available or you can create your own file to use.

1. Go to Commercial then Users and click Add User:
2. Enter the user's contact information and set up a Login ID and temporary password.
3. Select the appropriate User Role and click Save.
4. Send your new user their login id and the temporary password.

Go to Commercial then User Roles and click the pencil icon next to the role you would like to change. Make any changes needed and click Save. This will update the access for all users assigned to this role.

Go to Commercial then Users and select the user you need to update. Select the new role from the drop down menu and click Update Role.

If you do not want to use an existing role, select Manage User Roles to create an new role or update an existing role.

User Roles define the accounts, transaction types and features that are available for users assigned to the role. User Roles are an efficient way to add new accounts to several users at once or to set up new users that need the same access as existing users. There are several predefined User Roles available; you may also create a role from scratch.

Yes. Reports can be scheduled to run on a daily, weekly or monthly schedule. You may access previous versions of the report by viewing the report's history.

Yes. Report access can be limited by user role. You may also set reports you create as either private or shared.

You may download reports from Corporate Online Banking in the following formats:

• PDF
• CSV
• BAI

Corporate banking offers several reports that show account balances, checks that have cleared, user access, and online activity as well as the option to create custom reports.

You can select "Priority accounts" from the full list of accounts available on your corporate online banking profile. These accounts will be the first to load when you log in, which allows the page to load more quickly. You can see your full list of accounts by clicking View all accounts.

Payee match uses Optical Character Recognition (OCR) to match the name of the payees from your Issued Checks File against the items presented in your account. Any payees that do not match will be listed in your Exception Items for your review.

Demo Site

Quick Start Guide

ACH Positive Pay is part of our comprehensive transaction management system for fraud detection. Incoming ACH debits are verified against a list of authorized transactions you provide the system; any ACHs that are not entered on your list of approved payments will be sent to you for review.

Demo Site

Quick Start Guide

Positive Pay is a fraud detection system.  Incoming ACH debits and checks are verified against a list of authorized transactions you provide the system. Any transactions that are not listed as authorized are sent to you to decide if they should be paid or returned.

Our comprehensive transaction management system encompasses check positive pay, ACH positive pay, account reconciliation, and automated ACH reporting—all in a single platform.

Demo Site

Quick Start Guide

Remote deposit can be used on PCs or Macs.

• MacOS System Requirements:
  • High Sierra or more current version
  • Google Chrome
• PC System Requirements:
  • Local administrative rights
  • USB port 2.0 or higher
  • .NET® Framework 4.6.2 or higher
• Microsoft® Windows®:
  • Windows 8.1: Microsoft® Internet Explorer® 11, Google Chrome™, or Mozilla® Firefox®
  • Windows 10: Microsoft® Internet Explorer® 11, Microsoft Edge®, Google Chrome™, or Mozilla® Firefox

Remote Deposit Capture allows you to deposit batches of checks using a desktop check scanner rather than coming into one of our branches to make a deposit. We have scanners available to rent or purchase.

If you have signed up for EFTPS payments, you may submit payments through your online banking.

"On hold" means the payment has been sent for additional review. You may receive a call from a bank employee to verify the payment. This will not effect your payment's process date.

"Authorized" indicates the payment was drafted and has been approved to process. You can review the current status of the payment and its process date in the Activity Center.

"Drafted" means the payment has been created but not finalized. A drafted payment will not process until it is approved in the Activity Center to be sent out.

Yes, you may use the Split Payment feature when sending payroll. This gives you the option to split a payroll amount between two accounts for one recipient.

After entering a secure access code, you will be given the choice to Register Device or Do Not Register Device.

• If you are using a trusted, private device and will be using it to access your online banking frequently, it may make sense to choose Register Device so you do not need to enter a secure access code each time.
• If you are using a shared or public device, choose Do Not Register Device to protect your online banking.

A Secure Access Code is required when you log in on a new or unregistered device. An access code is also required when authorizing certain online transactions like an external transfer or a wire. These codes are used to prevent fraud and protect your account.

Yes, a signer on the accounts can have admin access to set up additional user to view the accounts online. The admin is responsible for monitoring the actions of the additional users.

To add a user, go to Commercial and select Users then click the Add new user button. You will be prompted to enter the individual's name, contact info, and to create a Login ID and temporary password. Once added, the admin can click the Assign rights button to allocate access to certain accounts and decide what permissions each user can access. For example, an admin may give a user access to view the account only. That user will not be able to make transfers between accounts.

Drafted: the payment has been created but not finalized. A drafted payment will not process. A drafted can be approved to then be sent out.

Authorized: a payment that was drafted and then approved will then have an authorized status. This payment will process.

Processed: this payment has been sent.

On Hold: this payment has been sent for additional review; you may receive a call from a bank employee to verify the payment.

Learn more:

• ACH Origination Services Quick Guide
• ACH Originator Guide

The best way to think of a payment's effective date is the date the funds will show in the recipient's account.

Example: You are creating a payroll file on Tuesday which you would like to credit the recipients' accounts on Friday. Friday would be the effective date.

Learn more:

• ACH Origination Services Quick Guide
• ACH Originator Guide

Go to Commercial and select Payments, then click the New Payment button to access the dropdown options:

• Select ACH single payment (or ACH single collection).
• Choose an SEC Code, account, and effective date.
• Click inside the search box under the recipient/account column to choose an individual from your list of saved recipients.
• Add the dollar amount you wish to pay them.
• Click the Approve button.

You can check the details and status of this payment by going to Transactions and selecting Online Activity.

Learn more:

• ACH Origination Services Quick Guide
• ACH Originator Guide

Go to Commercial, then select Payment, then click the New Payment button to access the dropdown options:

• Select Payroll.
• Choose an account and effective date; the SEC code will default to PPD for payrolls.
• Enter the origination details, then click inside the search box under the recipient/account column to choose an individual from your list of saved recipients.
• Add the dollar amount you wish to pay.
• To add more recipients to this batch, click the +Add another recipient option.
• When finished, click the Approve button.

You can check the details and status of the payment by going to Transactions and selecting Online Activity.

NOTE: You can also upload a Nacha formatted file by clicking New payment, selecting Payroll and clicking the upload from file option in the top right corner. On this page, you'll have the option to upload a .csv or .pdf file. Further instructions and file specifications are listed on the page. Once the file has been uploaded, you can click Approve to complete.

Go to Commercial and select Payments, then click the New Payment button to access the dropdown options:

• Select ACH batch payment.
• Choose an SEC Code (CCD = business to business; PPD = business to individual), account, and effective date.
  
• Enter the origination details, then click inside the search box under the recipient/account column to choose an individual from your list of saved recipients.
• Add the dollar amount you wish to pay.
• To add more recipients to the batch, click the +Add another recipient option.
• When finished, click the Approve button.

You can check the details and status of the payment by going to Transactions and selecting Online Activity.

NOTE: You can also upload a Nacha formatted file by clicking New payment, selecting Payroll and clicking the upload from file option in the top right corner. On this page, you'll have the option to upload a .csv or .pdf file. Further instructions and file specifications are listed on the page. Once the file has been uploaded, you can click Approve to complete.

Go to Commercial and select Payments. For a one-time payment, go to the New Payment button and choose the type of ACH payment you need to send. If this is an ACH you will be sending frequently, click the New Template button to save the information for future use.

ACH File Import

One-Time Commercial Payments

Payment Template Creation

Yes! You can apply for ACH Collections.

Email Digital Banking at [email protected] to request the ACH Services application. This service goes through an additional underwriting process and may take slightly longer for approval than ACH origination services. You may call the support group for help with this application at 805 880 7606 and we will be happy to assist you.

Learn more:

• ACH Origination Services Quick Guide
• ACH Originator Guide

ARB offers online banking with ACH services that allows you to manage and make those payments online.

Email Digital Banking at [email protected] to request the ACH Services application. The application will ask the types of payments, average file amounts, and the frequency at which you would like to process those payments. You may call the support group for help with this application at 805 880 7606 and we will be happy to assist you.

Learn more:

• ACH Origination Services Quick Guide
• ACH Originator Guide

To initiate a wire through your online banking you will need to go to Commercial and select Payments. For a one-time payment, select the New Payment button and choose the type of wire you need to send. If this is a wire you will be sending frequently, click the New Template button to save the information for future use.

Domestic Wire

• To send a domestic wire, select that payment type to open the payment page. You will be prompted to select the account the wire will be sent from and the date when it will be sent.
• If you have already saved your recipient, you may search for them in the Recipient field; if they are not already in your list, click New Recipient.
• You will then need to enter the wire instructions provided by your recipient, including their account number and their bank's routing number and address.
• When your recipient is selected, you may enter the amount, the purpose of the wire and message to beneficiary.
• When all required fields are complete, click Approve to send the wire (or Draft to submit it to another user for approval).

International Wire

• To send an international wire, select that payment type to open the payment page. You will be prompted to select the account the wire will be sent from and the date when it will be sent.
• If you have already saved your recipient, you may search for them in the Recipient field; if they are not already in your list, click New Recipient.
• You will then need to enter the wire instructions provided by your recipient. Be sure to select whether the recipient provided an IBAN, SWIFT/BIC or both, the required fields will vary.
• When your recipient is selected, you may enter the amount, the currency being sent, the purpose of the wire and message to beneficiary.
• When all required fields are complete, click Approve to send the wire (or Draft to submit it to another user for approval).

Learn more:

• Wires Transfers Best Practices

One-Time Commercial Payments

Payment Template Creation

Yes! To initiate wires from your business accounts online, please reach out to the digital banking group at 805 880 7606 or [email protected] to request the Online Banking with Wire Services application. The application will ask for estimated wire amounts, frequency, and types of wires you plan on sending. Once completed and signed, you can scan and email the form to [email protected].

Learn more:

• Wires Transfers Best Practices

You can manage, search, and edit all of your recipients' details by going to Commercial and selecting Recipients. Click the kabob icon (three vertical dots) next to any recipient and select Edit to update their information. You can also delete a recipient.

Go to Commercial and select Recipients then choose New recipient. You will be prompted to choose whether these recipients are for wire payments only, ACH payments only, or for both payment types (keep in mind that some banks have different routing numbers for wires and ACHs). Be sure to focus on the information fields that have a red asterisk next to them; these fields are required. After entering the recipient's banking information and recipient details, you can click the Save recipient button at the bottom of the page.

Go to Commercial and select Users. Click the pencil icon in the user's row or on their tile, depending on the viewing option selected, to open the user's profile. Click the Delete button at the bottom of the screen to remove the user.

Yes, users can draft payments and transfers for an admin to login to approve. The admin would need to make sure the bookkeeper's "draft" function is on but their "approve" function is off.

Go to Commercial and select Users then click the Edit icon for that user to open their settings. Go to Assign Rights and make sure the symbol under Approve is a circle with a line through it and the symbol under Draft is a checkmark.

Note: To draft any payments, the user must have Withdraw rights to the account.

To enroll in business bill pay, go to Commercial and select Business bill pay. A new tab will open in your browser window prompting you to log in. Do not enter your online banking credentials here, this is a separate login. You will need to click the "enroll" button below instead. Enter your business and user information and click continue. After clicking continue, you will need to print, sign, and return the form to a branch or scan a copy to [email protected].

Note: You do not need to provide a voided check or signed letter of approval.

You can send money electronically a variety of ways:

• ACH
• Wire Transfer
• Business Bill Pay

Go to Debit Card, 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.

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.

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.

Check orders typically arrive 7-14 business days from the date submitted.

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.

Go to 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 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.

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.

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.

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.

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.

Funds Transfer

Multi-Transfer

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.

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.

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.

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.

Yes. You will need to login with your Login ID 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 Login ID and password, then follow the steps to allow the ARB app to use your phone's biometrics settings to log into online banking.

Multifactor Authentication is an additional level of security to protect your online access. After entering a correct Login ID 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.

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

At the bottom of the Online Banking login box, click Reset Password. It will ask you to enter your Login ID, 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 Login ID, give us a call at 805 880 7606 and we would be happy to assist you.

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 Login ID and password, then follow the steps to allow the ARB app to use your phone's biometrics settings to log into online banking.

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.

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.

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.

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.

Go to 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.

To access mobile banking, you will need to download the app from either the App Store (iPhone) or the Google Play Store (Android). Once you have downloaded the app, login to get started.

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.

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 8.x and later versions and iOS 15.x, iOS 14.x and 13.x. Limited support is available for iOS12.x and 11.x. Internet Explorer is not supported.

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

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.

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.

If it is during our business hours, call us immediately at 805 965 5942. If it is after hours, call 877 226 2351 immediately.

Stop by your local branch - you can choose a new personal identification number  (PIN) and test it out before you leave.

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

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.

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.

Give us a call at 805 880 7606, email us at [email protected], or send us a Secure Message through online and mobile banking.

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 or corporate online banking for an additional charge.

Learn more:

• Wire Transfers
• Wires Transfer Best Practices

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.

To reset your business bill pay credentials, click the Forgot your user ID or password button on the login page of the business bill pay screen. You will be asked a series of security questions and be able to change your password.