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Pinnacle Checking

Maximize your business banking with a checking account that rewards your loyalty with premium benefits and discounts.¶

Minimum to open	$100
Monthly service charge	$25
Balance needed to waive monthly service charge	$15,000 average monthly collected balance¹ OR $30,000 average monthly combined balance
Other ways to waive monthly service charge	30 debit card purchases per month
Activity fees	First 500 debits/credits FREE, then $.30 per deibt/credit
Monthly paper statement fee	$5 Waived with electronic statement enrollment
Monthly Features	Unlimited domestic ATM surcharge refunds Up to $100 discount on 1^st order of checks at account opening 10 FREE cashier's checks 10 FREE initial stop payments $25 discount on the total cost of two (2) of the following digital banking services: - ACH - Positive Pay - Remote Deposit Capture - Wires FREE online and 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 Pinnacle Checking account together with the average monthly combined balances³ of your other American Riviera Bank^® business deposit accounts.

Your Pinnacle 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 Pinnacle Checking account.

Ask an Expert¶

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¶

First Vice President, Regional 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.

Learn More

Commercial Online Banking¶

A cutting-edge platform offering a seamless blend of enhanced reporting, streamlined functionality, and advanced entitlements. From real-time cash flow insights to multi-entity management, our platfo…

Learn More

ACH Payments¶

Lower costs and speed up processing times with Electronic Payments and ACH Credits.

Learn More

Customer Testimonial¶

American Riviera Bank knows and cares about our customers.

"American Riviera understands our structure and our needs. They help us to help others."

Rosa Paredes and Sister Arthur of St. Vincent's

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Pinnacle Checking

Maximize your business banking with a checking account that rewards your loyalty with premium benefits and discounts.¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Have more than one account? ¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

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

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

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

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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¶

Maximize your business banking with a checking account that rewards your loyalty with premium benefits and discounts.¶

Have more than one account? ¶

Ask an Expert¶

Bobby Boyes¶

Dustin Reese¶

Heidi Cummings¶

Related products¶

Business Credit Cards¶

Commercial Online Banking¶

ACH Payments¶

Customer Testimonial¶