Account Analysis Checking

Account Analysis Checking

Your business is unique. Our Account Analysis checking account works with that uniqueness to find the right balance of fees and services.


  • Unlimited check-writing
  • Free online and mobile banking with bill pay1
  • Free Overdraft Transfer
  • Free business debit card
  • Free notary services
  • Free incoming wires
  • Credit earned from balances of primary and linked secondary accounts may offset the following fees:
    • Check orders/Endorsement stamps
    • Cashier’s checks
    • Copy of check
    • Courier
    • Interim statement
    • Legal process
    • NSF Stop payments
    • Online Banking with ACH and/or Wires
    • Positive Pay
    • Remote Deposit Capture
    • Research
    • Safe deposit box
    • Statement reconciliation
    • In branch wires

Monthly Service Charge

  • $15

Minimum to Open

  • $100

Common Fees

  • $1.40 branch deposits
  • $1.20 cash deposits per $1,000
  • $.20 checks paid against account
  • $.15 coin deposited (per roll)
  • $.10 coin supplied (per roll)
  • $.12 deposit item processing
  • Other Fees

*May upgrade online banking to include wires and/or ACH for additional fees.

Ask an Expert

Card image cap

Bobby Boyes

First Vice President, Banking Relationship Manager

Send E-mail
805 730 7864
NMLSR: #1484454
Location: Santa Barbara

Card image cap

Dustin Reese

Vice President, Branch Manager

Send E-mail
805 540 6243
NMLSR: #1097395
Location: San Luis Obispo

Card image cap

Heidi Cummings

Vice President, Branch Manager

Send E-mail
805 296 1771
NMLSR: #1038237
Location: Paso Robles

Card image cap

Business Online Banking

Only pay for the products you need with our build-your-own online and mobile banking platform.

Card image cap

Remote Deposit Capture

Scan and transmit up to 30 checks at a time, all from the comfort of your office.

Card image cap

Wire Transfers

Move cash confidently across the country or worldwide.

Customer Testimonial

American Riviera Bank knows and cares about our customers.

"You never know what the future holds, but I know if I need financing in the future, American Riviera Bank will be my first call."
Chris Dorn, Merseas Restaurant