Health Savings Accounts

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 chargeN/A
Balance needed to waive monthly service chargeN/A
Transaction limitationsUnlimited access within IRS guidelines
Monthly paper statement fee$2
Waived with electronic statement enrollment

Monthly featuresEarns 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

Card image cap

Matthew Limon

Client Relationship Manager

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

Card image cap

Dustin Reese

Vice President, Branch Manager

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

Card image cap

Heidi Cummings

Vice President, Branch Manager

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

Card image cap

Certificates of Deposit

Earn a fixed interest rate to help reach your long term financial goals.

Card image cap

Money Market

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

Card image cap

Personal Savings

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

Customer Testimonial

American Riviera Bank knows and cares about our customers.

"I love American Riviera Bank. The level of service is very personalized. It's like banking with friends that you trust."
Sasha Ablitt, Ablitt's Fine Cleaners