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 charge | 20 debit card purchases per month Nonprofit status |
| Activity fees | First 250 debits/credits FREE, then $.30 per debit/credit |
| Monthly paper statement fee | $5 Waived with electronic statement enrollment |
| Monthly features | Earns 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¶
Bobby Boyes¶
First Vice President, Banking Relationship Manager
Send
E-mail
805 730 7864
NMLSR: #1484454
Location: Santa Barbara
Dustin Reese¶
Vice President, Branch Manager
Send
E-mail
805 540 6243
NMLSR: #1097395
Location: San Luis Obispo
Heidi Cummings¶
Vice President, Branch Manager
Send
E-mail
805 296 1771
NMLSR: #1038237
Location: Paso Robles
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