There are scammers targeting local residents. If you receive an inbound call claiming to be from ARB or another bank, please hang up and call back using the published number for assistance. Learn more here.

Health Savings Accounts

HSAs grant you tax advantages¹ on funds set aside for medical expenses if you have a high-deductible insurance plan. Funds contributed to the account are not subject to income tax at the time of deposit, and accrue interest until you use them for qualified healthcare costs.

Minimum to open	$100
Monthly service charge	N/A
Balance needed to waive monthly service charge	N/A
Transaction limitations	Unlimited access within IRS guidelines
Monthly paper statement fee	$2 Waived with electronic statement enrollment
Monthly features	Earns interest—calculated daily, paid monthly Funds remain with you if you change jobs or retire (after age 65, may use funds penalty-free for any purpose) Up to $12 domestic ATM surcharge refunds FREE online & mobile banking with bill pay FREE notary services FREE incoming wires FREE contactless Mastercard^® debit card - FREE identity theft monitoring with enrollment - FREE card alerts with enrollment

1. Consult a tax advisor for more information

Ask an Expert¶

Matthew Limon¶

Client Relationship Manager

Send E-mail
805 730 7877
NMLSR: #1039591
Location: Santa Barbara

LinkedIn Bio .vcf card

Dustin Reese¶

Vice President, Branch Manager

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

LinkedIn Bio .vcf card

Heidi Cummings¶

First Vice President, Regional Branch Manager

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

LinkedIn Bio .vcf card

Certificates of Deposit¶

Certificates of Deposit are time-tested financial tools offering a win-win combination of safety and predictable returns. Whether you're saving for a big purchase or building your nest egg, CDs provi…

Learn More

Money Market¶

Maximize earnings on your higher savings balance with a competitive, tiered interest.

Learn More

Personal Savings¶

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

Learn More

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.

Deposit accounts ¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Small Business Administration Loans ¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Loans ¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Banking Services ¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Business Solutions¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Deposit Accounts¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Loans and Credit¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Fraud Protection¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Accounts Receivable Solutions¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Accounts Payable Solutions¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Banking Services¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Reporting and Liquidity¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Commercial Solutions¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Checking ¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Savings ¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Other Services ¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Digital Banking ¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Personal Loans ¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Residential Loans ¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Personal Solutions¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Community ¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Resources ¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Community¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Access Personal and Small Business Digital Banking¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Access Commercial Banking¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Health Savings Accounts

Ask an Expert¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Matthew Limon¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Dustin Reese¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Heidi Cummings¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Related products¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Certificates of Deposit¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Money Market¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Personal Savings¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Customer Testimonial¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Deposit accounts ¶

Small Business Administration Loans ¶

Loans ¶

Banking Services ¶

Business Solutions¶

Deposit Accounts ¶

Loans and Credit ¶

Fraud Protection ¶

Accounts Receivable Solutions ¶

Accounts Payable Solutions ¶

Banking Services ¶

Reporting and Liquidity ¶

Commercial Solutions¶

Checking ¶

Savings ¶

Other Services ¶

Digital Banking ¶

Personal Loans ¶

Residential Loans ¶

Personal Solutions¶

Community ¶

Resources ¶

Community¶

Access Personal and Small Business Digital Banking¶

Access Commercial Banking¶

Ask an Expert¶

Matthew Limon¶

Dustin Reese¶

Heidi Cummings¶

Related products¶

Certificates of Deposit¶

Money Market¶

Personal Savings¶

Customer Testimonial¶