There are scammers targeting local residents. If you receive an inbound call claiming to be from ARB or another bank, please hang up and call back using the published number for assistance. Learn more here.

Maximizing FDIC Insurance

FDIC insurance protects deposits from loss up to the FDIC insurance limit, including principal and accrued interest. Deposits include checking accounts, NOW accounts, savings accounts, money market accounts, individual retirement accounts (IRAs) and certificates of deposit (CDs).

At American Riviera Bank, your deposits are covered by the FDIC for up to $250,000 per depositor. You may have more coverage depending on the ownership of your accounts.

Proper Vesting¶

Single ownership accounts are insured up to $250,000 per owner
Joint ownership accounts are insured with at least $500,000 (Up to $250,000 per co-owner)
IRAs are insured up to $250,000 per owner
Revocable trust accounts are insured up to $250,000 per owner, per beneficiary

Calculating Coverage¶

You can use the FDIC's Electronic Deposit Insurance Estimator (EDIE) to estimate your insurance coverage.

Reciprocal Deposits¶

In addition to the FDIC insurance you receive on your ARB deposits, banks can place reciprocal deposits in other banks through a process known as deposit placement services. As a member of IntraFi^® Network Deposits^SM, ARB offers additional options such as Certificates of Deposit Registry Services (CDARS) and Insured Cash Sweep (ICS) accounts to place reciprocal deposits with other banks. This allows for access of up to $50 million in FDIC insurance, while maintaining a single bank relationship with ARB. The FDIC recognizes that “reciprocal deposits may be a more stable source of funding for healthy banks^¹.”

If you have questions about your coverage, or would like to learn more about FDIC insurance or IntraFi^® services work, we encourage you to reach out to one of our experts below or call our mainline at 805-965-5942.

Click here to learn more

_{1. https://www.fdic.gov/resources/regulations/federal-register-publications/2019/2019-updated-preamble-reciprocal-deposits-3064-ae89.pdf}

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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Rogelio Aguilar¶

Vice President, Banking Relationship Officer

Send E-mail
805 979 3850
Location: Goleta

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Brandon Vallin¶

Assistant Vice President, Banking Relationship Officer

Send E-mail
805 335 8161
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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Multi-Million Dollar FDIC Coverage¶

Stop trying to manage multiple banks and statements. Place all your deposits with American Riviera Bank with multi-million dollar FDIC coverage and consolidated reporting.

Learn More

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Maximizing FDIC Insurance

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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¶

Proper Vesting¶

Calculating Coverage¶

Reciprocal Deposits¶

Ask an Expert¶

Bobby Boyes¶

Rogelio Aguilar¶

Brandon Vallin¶

Dustin Reese¶

Heidi Cummings¶

Related products¶

Multi-Million Dollar FDIC Coverage¶