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

First Vice President, Banking Relationship Manager

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

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Tino Muñoz

Vice President, Portfolio Manager

Send E-mail
805-730-7876
Location: Santa Barbara

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Dustin Reese

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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Consumer Credit Cards

Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you!

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Overdraft Transfer

Avoid bounced checks and costly overdraft fees with automatic transfers to your checking account from another account.

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Personal Line of Credit

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

Customer Testimonial

American Riviera Bank knows and cares about our customers.

"I never knew I could love a bank, but I LOVE American Riviera Bank. They value my business, they value my time, they make my life easy."
Joanne Gronquist, O.D. with Tem Gronquist, O.D.