American Riviera Reserve Line

American Riviera Reserve Line

It can happen to anyone, but it doesn't have to. A miscalculation, a purchase you forget to record, a delay in getting paid...all things that can lead to your checking account dipping below zero.

Protect your account and avoid returned checks and costly fees by applying for an American Riviera Reserve Line, a personal line of credit that automatically transfers money to cover checking account shortfalls up to your approved and available credit amount.

  • Line of credit from $500 to $10,000*
  • Automatically transfers to cover overdrafts in increments of $50
  • You can pay on your ARRL balance at any time online
  • Minimum payments are automatically deducted from your linked checking account
  • No annual fees or transfer fees
  • Fixed interest rate

*Subject to credit application and approval.

Ask an Expert

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Bobby Boyes

Vice President, Banking Relationship Manager

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805-730-7864
NMLSR: #1484454
Location: Santa Barbara

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Tino Muñoz

Vice President, Portfolio Manager

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805-730-7876
Location: Santa Barbara

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Dustin Reese

Assistant Vice President, Branch Manager

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

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Heidi Cummings

Vice President, Branch Manager

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805-296-1771
NMLSR: #1038237
Location: Paso Robles

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Personal Line of Credit

Borrow a little or a lot, as you need it.

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Personal Savings

Start building your nest egg, saving for a particular goal, or just putting a little extra aside for a rainy day.

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Signature Checking

A fully-loaded account that earns interest and comes with premium benefits.

Customer Testimonial

American Riviera Bank knows and cares about our customers.

"I love the True Community Bank aspect; it certainly paid off for Zodos. When the crisis hit, American Riviera Bank really fought for us."
Sam Walters, Zodos Bowling and Beyond