A fully-loaded checking account which earns interest and comes with premium benefits like unlimited ATM surcharge refunds, cash back on debit card purchases and a full lineup of free services.
|Minimum to open||$25|
|Monthly service charge||$25|
|Balance needed to waive monthly service charge||$15,000 average monthly collected balance1|
$30,000 average monthly combined balance
|Other ways to waive monthly service charge||30 debit card purchases per month|
|Monthly paper statement fee||$2|
Waived with electronic statement enrollment
|Monthly features||Earns interest—calculated daily, paid monthly|
One overdraft fee waived
Unlimited domestic ATM surcharge refunds
$.10 cash back on debit card purchases up to $30 per month
1st order of ARB logo checks FREE at account opening
5 FREE initial stop payments (online or in-person)
5 FREE cashier's checks
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
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 Ultimate Checking account together with the average monthly combined balances2 of your other American Riviera Bank personal deposit accounts.
Your Ultimate 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. The combined average monthly balance is determined on the statement date of the Ultimate Checking account.
American Riviera Bank knows and cares about our customers.