Ultimate Checking

Ultimate Checking

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
or

$30,000 average monthly combined balance
Other ways to waive monthly service charge30 debit card purchases per month
Monthly paper statement fee$2
Waived with electronic statement enrollment

Monthly featuresEarns 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

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 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.

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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

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805 770 1309
Location: Goleta

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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

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.

"I love American Riviera Bank. The level of service is very personalized. It's like banking with friends that you trust."
Sasha Ablitt, Ablitt's Fine Cleaners