Foundation Checking

Foundation Checking

Foundation Checking gives you the features you want plus a variety of ways to avoid the monthly service charge.


Monthly Service Charge

You can avoid the $7 monthly service charge with one of the following:

  • $3,000 average monthly collected balance2, or
  • $6,000 average monthly combined balance, or
  • 10 debit card purchases per month

Minimum to Open

  • $100

Common Fees

  • $.30 per debit/credit after first 150 transactions
  • $5 monthly paper statement fee
    Waived with electronic statement enrollment
  • Other Fees

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 Foundation Checking account together with the average monthly combined balances3 of your other American Riviera Bank business deposit accounts.

Your Foundation 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. May upgrade online banking to include wires and/or ACH for additional fees. See Fee Schedule. 
  2. 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. 
  3. The average monthly combined balance is determined on the statement date of the Foundation 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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SBA 7(a) Loans

Government-guaranteed financing that allows for more flexible terms, including loans to help you start or buy a business. Already own a business? Consider an SBA 7(a) to expand your operations.

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.