Business Interest Checking

Business Interest Checking

Earn a competitive interest rate on your checking account without giving up the services your business needs.

Minimum to open$100
Monthly service charge$17
Balance needed to waive monthly service charge$10,000 average monthly balance1
OR

$20,000 average combined monthly balance
Other ways to waive monthly service charge20 debit card purchases per month
Nonprofit status
Activity feesFirst 250 debits/credits FREE, then $.30 per debit/credit
Monthly paper statement fee$5
Waived with electronic statement enrollment
Monthly featuresEarns interest—calculated daily, paid monthly
Up to $12 domestic ATM surcharge refunds
Up to $75 discount on 1st order of checks at account opening
5 FREE cashier's checks
5 FREE initial stop payments
$10 discount on one (1) digital banking service:
- ACH
- Positive Pay
- Remote Deposit Capture
- Wires
FREE online & mobile banking with bill pay2
FREE overdraft transfers
FREE notary services
FREE incoming wires
FREE contactless business MasterCard debit card

Have more than one account? 

Link your accounts to take advantage of our combined balance option!

The term "combined balance," when determining criteria to avoid the monthly service charge, means the average monthly collected balance of your Business Interest Checking account together with the average monthly combined balances3 of your other American Riviera Bank business deposit accounts.

Your Business Interest Checking account is not automatically linked to your eligible American Riviera Bank business deposit accounts. If you would like to link your eligible business deposit accounts to avoid the monthly service charge with combined balances, please notify us at account opening.


1. The average monthly collected balance is calculated by adding the collected principal in the account for each day of the month and dividing that figure by the number of days in the month.
2. May upgrade online banking to include wires and/or ACH for additional fees. See Fee Schedule
3. The combined average monthly balance is determined on the statement date of the Business Interest Checking account.

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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Dustin Reese

Vice President, Branch Manager

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

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Heidi Cummings

Vice President, Branch Manager

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

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Business Credit Cards

Choose from our popular business credit card options such as low rate, cash back or flexible rewards to find the one that works best for your business.

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Business Online Banking

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

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Positive Pay

Are you absolutely positive you’re managing risk as well as you should? 

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.