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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

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805 730 7877
NMLSR: #1039591
Location: Santa Barbara

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Dustin Reese¶

Vice President, Branch Manager

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805 540 6243
NMLSR: #1097395
Location: San Luis Obispo

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Heidi Cummings¶

First Vice President, Regional Branch Manager

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805 296 1771
NMLSR: #1038237
Location: Paso Robles

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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…

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Money Market¶

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

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Personal Savings¶

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

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Customer Testimonial¶

American Riviera Bank knows and cares about our customers.

"American Riviera was helpful all through the process of buying our first home. They were patient and had an answer for every question. They were so great, we came back to purchase our next home!"

Kelly and Elizabeth Hahn

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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; }

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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¶