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Kids Savings Account

A special, high-interest savings account for children/grandchildren of account holders, ages 17 and under. There's no minimum balance to get started, and no quarterly service charge, so they can sit back and watch their money grow!

The Kids Savings account offers a tiered interest rate that pays a higher rate on balances of up to $500 to give your young saver a boost to bigger savings down the road.

Minimum to Open	N/A
Monthly Service Charge	N/A
Balance Needed to Waive Monthly Service Charge	N/A
Transaction Limitations	N/A
Monthly Paper Statement Fee	N/A
Features	Tiered interest rate pays 10.00% Annual Percentage Yield (APY)¹ on balances up to $500; balances over $500 pays APY of Regular Savings account—Calculated daily, paid quarterly FREE online & mobile banking FREE instant-issue contactless Mastercard^® debit card

Account Balance Annual Percentage Yield (APY)¶

$500 and under	10.00% APY
Over $500	.10% APY

NOTE: We will not accept online account requests from persons under 18 years of age.

1. APY (Annual Percentage Yield) information is accurate as of October 1, 2022 and is subject to change at any time. Fees may reduce earnings. See additional terms and conditions governing deposit accounts in the Deposit Account Agreement and Schedule of Fees and Charges included in your new account materials. No minimum deposit to open; however, 10.00% APY will only apply to balances of up to $500.

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Ask an Expert¶

Matthew Limon¶

Client Relationship Manager

Send E-mail
805 730 7877
NMLSR: #1039591
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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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.

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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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Kids Savings Account

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

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

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Personal Savings¶ .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¶

Account Balance Annual Percentage Yield (APY)¶

Ask an Expert¶

Matthew Limon¶

Dustin Reese¶

Heidi Cummings¶

Related products¶

Personal Savings¶

Debit Card¶

Customer Testimonial¶