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Business Interest Checking

Earn a competitive interest rate on your checking account without giving up the services your business needs.¶

Minimum to open	$100
Monthly service charge	$17
Balance needed to waive monthly service charge	$10,000 average monthly balance¹ OR $20,000 average combined monthly balance
Other ways to waive monthly service charge	20 debit card purchases per month Nonprofit status
Activity fees	First 250 debits/credits FREE, then $.30 per debit/credit
Monthly paper statement fee	$5 Waived with electronic statement enrollment
Monthly features	Earns interest—calculated daily, paid monthly Up to $12 domestic ATM surcharge refunds Up to $75 discount on 1^st order of checks at account opening 5 FREE cashier's checks 5 FREE initial stop payments $10 discount on one (1) digital banking service: - ACH - Positive Pay - Remote Deposit Capture - Wires FREE online & mobile banking with bill pay² FREE overdraft transfers FREE notary services FREE incoming wires FREE contactless business Mastercard^® debit card

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 Business Interest Checking account together with the average monthly combined balances³ of your other American Riviera Bank^® business deposit accounts.

Your Business Interest Checking account is not automatically linked to your eligible American Riviera Bank^® business deposit accounts. If you would like to link your eligible business 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. May upgrade online banking to include wires and/or ACH for additional fees. See Fee Schedule.
3. The combined average monthly balance is determined on the statement date of the Business Interest Checking account.

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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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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Business Credit Cards¶

Choose from our popular business credit card options such as low rate, cash back or flexible rewards to find the one that works best for your business.

Learn More

Business Online Banking¶

Only pay for the products you need with our build-your-own online and mobile banking platform.

Learn More

ACH and Check Fraud Controls¶

Fight back against business check and ACH fraud. Our comprehensive transaction management system encompasses check positive pay and ACH positive pay—in a single platform.

Learn More

Customer Testimonial¶

American Riviera Bank knows and cares about our customers.

"We were just one location with a great product and great sales, but most banks wouldn't help us with the financing we needed to expand. So we talked to a bank in our own backyard: American Riviera Bank. Now we have six locations and a great relationship with American Riviera Bank."

Dan Goddard and Pete Heth, Backyard Bowls

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Business Interest Checking

Earn a competitive interest rate on your checking account without giving up the services your business needs.¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

Have more than one account? ¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

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; }

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

Business Online Banking¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

ACH and Check Fraud Controls¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

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

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¶

Earn a competitive interest rate on your checking account without giving up the services your business needs.¶

Have more than one account? ¶

Ask an Expert¶

Bobby Boyes¶

Dustin Reese¶

Heidi Cummings¶

Related products¶

Business Credit Cards¶

Business Online Banking¶

ACH and Check Fraud Controls¶

Customer Testimonial¶