Customer Support

Customer Support

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

Who do I contact to replace lost stock certificates or to transact on stock certificates?
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Please contact our transfer agent, American Stock Transfer & Trust Company (AST).

Who is ARB's transfer agent and how do I contact them?
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The Bank's transfer agent is American Stock Transfer & Trust Company (AST). Their contact information is as follows: 

Shareholder Services Call Center


6201 15th Avenue
Brooklyn, NY 11219



Does ARB pay dividends?
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Not at this time.

How do I become a shareholder?
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You can purchase shares through our transfer agent, American Stock Transfer & Trust Company (AST) or most other stock brokers. Out stock ticker symbol is ARBV.

Is ARB publicly traded?
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What is ROA and ROE in banking?
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ROA (return on assets) is an indicator of how well a bank utilizes its assets in terms of profitability. ROE (return on equity) is a measurement of financial performance calculated by dividing net income by shareholders' equity.

What are loan-loss provisions?
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Loan-loss provisions are in Income Statement expense set aside to allow for potential uncollected loans and loan payments.

What does it mean to be well-capitalized?
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Well-capitalized means the Bank has enough capital from outside investors and/or its own operating activities to operate without major financial constraints.

When a bank is less than well-capitalized, certain mandatory and discretionary actions occur. These actions become increasingly onerous as the capital classification declines and capital restoration/corrective action becomes critical. Additional discretionary actions can be taken against the bank, management or directors with respect to restoring or maintaining the safety and soundness of the bank.

What is unaudited income?
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Unaudited income is income that has not been subject to an independent verification and review process by an outside auditor

What holidays does the Bank observe?
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We observe the following State/Federal Holidays:

  • New Year's Day
  • Martin Luther King, Jr. Day
  • Presidents Day
  • Memorial Day
  • Juneteenth National Independence Day
  • Independence Day
  • Labor Day
  • Indigenous People's Day
  • Veterans Day
  • Thanksgiving Day
  • Christmas Day

NOTE: When holidays land on Sunday, we close in observance the following Monday.

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.
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.

Where do I find my account number?
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You can find your full account number on your new account documentation, as well as on the bottom of your checks.

In online and mobile banking, you will only see the last 4 digits of your account number for security.

How does FDIC insurance work?
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FDIC insurance protects deposits from loss up to the FDIC insurance limit, including principal and accrued interest. Deposits include checking accounts, NOW accounts, savings accounts, money market accounts, individual retirement accounts (IRAs) and certificates of deposit (CDs).

At American Riviera Bank, your deposits are covered by the FDIC for up to $250,000 per depositor. You may have more coverage depending on the ownership of your accounts.

  • Single ownership accounts are insured up to $250,000 per owner
  • Joint ownership accounts are insured with at least $500,000 (Up to $250,000 per co-owner)
  • IRAs are insured up to $250,000 per owner
  • Revocable trust accounts are insured up to $250,000 per owner, per beneficiary

You can use the FDIC's Electronic Deposit Insurance Estimator (EDIE) to estimate your insurance coverage.

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 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.

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 or corporate online banking for an additional charge.

Learn more:

How do I reorder checks?
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Give us a call at 805 965 5942, stop by your local branch, or order through online and mobile banking.

What types of overdraft protection are available?
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We offer two types of overdraft protection:

I've legally changed my name. How do I update my accounts?
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Simply stop by your local branch and an associate can help you update your account information with your new name. Bring your new identification and documentation showing your name change (social security card, marriage certificate, etc.).

How do I open a new account?
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Personal accounts: You can apply for a personal account here, give us a call at 805 965 5942, or stop by your local branch.

Business accounts: Give us a call at 805 965 5942 or stop by your local branch. Click here for a list a required business documents needed.

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Michelle Martinich

Executive Vice President, Chief Financial Officer

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