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Customer Support

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

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.

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
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 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.

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.

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.

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
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
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.

Ask an Expert

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Digital Support

Send E-mail
805-880-7606

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Katie Stewart

Assistant Vice President, Service Manager

Send E-mail
805 335 8117
NMLSR: #1166460
Location: Montecito

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