Simply Checking

Simply Checking

A Nationally Certified Bank On Account

Keeping it simple doesn't mean losing out on great features. With a variety of ways to avoid the monthly service charge, Simply Checking is the perfect fit for those who use their checking account a lot and don't want to worry about maintaining high balances.

Minimum to open$25
Monthly service charge$5
Balance needed to waive monthly service charge$1,000 average monthly collected balance1
or

$5,000 average monthly combined balance
Other ways to waive monthly service charge10 debit card purchases per month
or

Monthly direct deposit
or

Student (12-24 years) or 65 years or greater
Monthly paper statement fee$2
Waived with electronic statement enrollment,

as well as for students (12-24 years) or 65 years or greater
Monthly FeaturesNo overdraft fees2
No deposit item returned fees (when a check you deposit is returned)
No redeposit fees (when you re-deposit a check that was previously returned)
Up to $12 domestic ATM surcharge refunds
$10 discount on 1st order of checks at account opening
FREE Online & Mobile Banking with bill pay and mobile deposit
FREE instant-issue contactless MasterCard Debit Card
FREE identity theft monitoring with enrollment
FREE card alerts with enrollment
FREE overdraft transfers
FREE notary services
FREE incoming wires

What is Bank On?

Bank On, led by national nonprofit organization the Cities for Financial Empowerment Fund (CFE Fund), works to ensure everyone has access to a safe, affordable transactional banking account. The National Bank On Certification Seal certifies that American Riviera Bank has met all the requirements and is actively working to expand access to safe and affordable banking in the communities we serve. We are proud to offer a Bank On account to our community!


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 Simply Checking account together with the average monthly combined balances3 of your other American Riviera Bank personal deposit accounts.

Your Simply Checking account is not automatically linked to your eligible American Riviera Bank personal deposit accounts. If you would like to link your eligible personal 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. Repeat overdrafts may result in the checking account being closed. We offer an optional overdraft service (Overdraft Transfer) to help you avoid overdrawing your checking account. You can link an eligible account to your checking account and we will use the available funds in the linked account to authorize or pay your transactions if you do not have enough money in your checking account. Overdraft Transfer is free and can be added or removed at any time. Refer to your account disclosure for more information.

3. The combined average monthly balance is determined on the statement date of the Simply Checking account.


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Ask an Expert

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Jason Kaufman

Vice President, Branch Manager

Send E-mail
805 730 7869
NMLSR: #1038283
Location: Santa Barbara

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Katie Stewart

Assistant Vice President, Branch Manager

Send E-mail
805 335 8117
NMLSR: #1166460
Location: Montecito

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Lisa French

Assistant Vice President, Branch Manager

Send E-mail
805 770 1309
Location: Goleta

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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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QuickSaver

Round up to save up!

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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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Debit Card

Start using your card the same day you open your account with our instant-issue debit card.

Customer Testimonial

American Riviera Bank knows and cares about our customers.

"It's great to bank with American Riviera because you get to know bankers who are involved in your community, and they get to know about your business, too."
Willie Contreras, Top Shop Automotive