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American Riviera Reserve Line

It can happen to anyone, but it doesn't have to. A miscalculation, a purchase you forget to record, a delay in getting paid...all things that can lead to your checking account dipping below zero.

Protect your account and avoid returned checks and costly fees by applying for an American Riviera Reserve Line, a personal line of credit that automatically transfers money to cover checking account shortfalls up to your approved and available credit amount.

Line of credit from $500 to $10,000*
Automatically transfers to cover overdrafts in increments of $50
You can pay on your ARRL balance at any time online
Minimum payments are automatically deducted from your linked checking account
No annual fees or transfer fees
Fixed interest rate

*Subject to credit application and approval.

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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Tino Muñoz¶

Vice President, Portfolio Manager

Send E-mail
805 730 7876
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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Consumer Credit Cards¶

Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you!

Learn More

Overdraft Transfer¶

Avoid bounced checks and costly overdraft fees with automatic transfers to your checking account from another account.

Learn More

Personal Line of Credit¶

Borrow a little or a lot, as you need it.

Learn More

Customer Testimonial¶

American Riviera Bank knows and cares about our customers.

"I never knew I could love a bank, but I LOVE American Riviera Bank. They value my business, they value my time, they make my life easy."

Joanne Gronquist, O.D. with Tem Gronquist, O.D.

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American Riviera Reserve Line

Ask an Expert¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Bobby Boyes¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Tino Muñoz¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Dustin Reese¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Heidi Cummings¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

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Consumer Credit Cards¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Overdraft Transfer¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

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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¶

Ask an Expert¶

Bobby Boyes¶

Tino Muñoz¶

Dustin Reese¶

Heidi Cummings¶

Related products¶

Consumer Credit Cards¶

Overdraft Transfer¶

Personal Line of Credit¶

Customer Testimonial¶