Ultimate Checking

Apply now online in just a few minutes, or visit your local branch to get assistance from one of our banking experts.¶

Minimum to open

$25

Monthly service charge

$25

Balance needed to waive monthly service charge

$15,000 average monthly collected balance¹
or
$30,000 average monthly combined balance

Other ways to waive monthly service charge

30 debit card purchases per month

Monthly paper statement fee

$2
Waived with electronic statement enrollment

Monthly features

Earns interest—calculated daily, paid monthly
One overdraft fee waived
Unlimited domestic ATM surcharge refunds
$.10 cash back on debit card purchases up to $30 per month
1^st order of ARB logo checks FREE at account opening
5 FREE initial stop payments (online or in-person)
5 FREE cashier's checks
FREE online & mobile banking with bill pay and mobile deposit
FREE instant-issue contactless Mastercard^® debit card
- FREE identity theft monitoring with enrollment
- FREE card alerts with enrollment
FREE overdraft transfers
FREE notary services
FREE incoming wires

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 Ultimate Checking account together with the average monthly combined balances² of your other American Riviera Bank^® personal deposit accounts.

Your Ultimate Checking account is not automatically linked to your eligible American Riviera Bank^® personal deposit accounts. If you would like to link your eligible personal 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. The combined average monthly balance is determined on the statement date of the Ultimate Checking account.

Ask an Expert¶

Jason Kaufman¶

Vice President, Branch Manager

Send E-mail
805 730 7869
NMLSR: #1038283
Location: Santa Barbara

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Katie Stewart¶

Assistant Vice President, Branch Manager

Send E-mail
805 335 8117
NMLSR: #1166460
Location: Montecito

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Lisa French¶

Assistant Vice President, Branch Manager

Send E-mail
805 770 1309
Location: Goleta

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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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Julie Ezzo¶

Assistant Vice President, Branch Manager

Send E-mail
805 296 1774
Location: Paso Robles

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QuickSaver¶

Round up to save up!

Learn More

Personal Savings¶

Start building your nest egg, saving for a particular goal, or just putting a little extra aside for a rainy day.

Learn More

Debit Card¶

Start using your card the same day you open your account with our instant-issue debit card.

Learn More

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Reporting and Liquidity¶ .anchor-link { font-size: .5em; vertical-align: super; text-decoration: none; }

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

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

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

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

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Ultimate Checking

Apply now online in just a few minutes, or visit your local branch to get assistance from one of our banking experts.¶ .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; }

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

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

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

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

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

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

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

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

Debit Card¶ .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¶

Apply now online in just a few minutes, or visit your local branch to get assistance from one of our banking experts.¶

Have more than one account? ¶

Ask an Expert¶

Jason Kaufman¶

Katie Stewart¶

Lisa French¶

Dustin Reese¶

Julie Ezzo¶

Related products¶

QuickSaver¶

Personal Savings¶

Debit Card¶

Customer Testimonial¶