Pinnacle Checking

Pinnacle Checking

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


Monthly Service Charge

You can avoid the $25 monthly service charge with one of the following:

  • $15,000 average monthly collected balance2, or
  • $30,000 average monthly combined balance, or
  • 30 debit card purchases per month

Minimum to Open

  • $100

Common Fees

  • $.30 per debit/credit after first 500 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 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. 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 combined average monthly balance is determined on the statement date of the Pinnacle 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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Corporate Online Banking

Powerful functionality for corporate customers with large volumes of accounts and transactions.

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ACH Origination

A convenient payment solution with lower costs and fast processing times.

Customer Testimonial

American Riviera Bank knows and cares about our customers.

"We're very, very comfortable with American Riviera and their concept of supporting a small business. They understood our cash flow requirements, what we need and when we need it. And they're very responsive to that."
Michael and Margene Mooney, Chateau Margene