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.

Foundation Checking

Foundation Checking gives you the features you want plus a variety of ways to avoid the monthly service charge.¶

Minimum to open	$100
Monthly service charge	$7
Balance needed to waive monthly service charge	$3,000 average monthly collected balance¹ OR $6,000 average monthly combined balance
Other ways to waive monthly service charge	10 debit card purchases per month
Activity fees	First 150 debits/credits FREE, then $.30 per debit/credit
Monthly paper statement fee	$5 Waived with electronic statement enrollment
Monthly features	Up to $6 domestic ATM surcharge refunds Up to $50 discount on 1st order of checks at account opening FREE online and 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 Foundation Checking account together with the average monthly combined balances³ of your other American Riviera Bank^® business deposit accounts.

Your Foundation 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 average monthly combined balance is determined on the statement date of the Foundation 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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Rogelio Aguilar¶

Vice President, Banking Relationship Officer

Send E-mail
805 979 3850
Location: Goleta

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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

SBA 7(a) Loans¶

Government-guaranteed financing that allows for more flexible terms, including loans to help you start or buy a business. Already own a business? Consider an SBA 7(a) to expand your operations.

Learn More

Customer Testimonial¶

American Riviera Bank knows and cares about our customers.

"They are a relationship bank; I am a relationship builder. It's a perfect fit."

Michael and Kate Vining, Vining Construction

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Foundation Checking