American Riviera Bank has decent account options. To find out if American Riviera Bank is right for you, continue reading the review below.
They have both a Teen Checking and Kids Savings account appealing to young high school students so that they can save for their future whether it be for college or other personal expenses.
Checking Account Options
American Riviera has a few selection of checking accounts. Their checking accounts come with the standard features that most accounts have,
You can open this interest bearing checking account with $100.
There is a monthly fee of $10, but you can waive it by keeping a daily balance of $5,000.
The interest is paid monthly.
A standard savings account but it will still require a minimum opening deposit of $100.
There are no monthly fees nor minimum balance requirements however.
With this account, you only have to pay for the services you will use!
An account designed for teens 17 and under but they will still need $100 to open.
However, there are no monthly fees nor minimum balance requirements.
If you are under 17, you will need a guardian to co-sign this account for you.
Compare Checking Accounts
 • New Chase checking customers enjoy a $200 bonus when you open a Chase Total Checking® account and set up direct deposit • Access to more than 16,000 Chase ATMs and more than 4,700 branches • Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device. • JPMorgan Chase Bank, N.A. Member FDIC • Open your account online now • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com. • Chase Overdraft AssistSM – no overdraft fee if you’re overdrawn by $50 or less at the end of the business day or if you’re overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day* *With Chase Overdraft AssistSM, we won’t charge an Overdraft Fee if you’re overdrawn by $50 or less at the end of the business day OR if you’re overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts. |
Savings Account Options
American Riviera Bank has two savings accounts and they are pretty standard, but they also earn pretty high interest rates with options for tiers.
You can open this standard savings account with $100 and there is no quarterly service charge to pay.
A high interest savings account for children 17 and under so they can start saving responsibly towards other expenses after high school.
There are no minimum balance requirements nor quarterly fees either.
They will need at least $100 to open it.
Compare Savings Accounts
 Open a Discover Online Savings Account for all these features: • Earn $200/$150 Bonus with promo code HMB223 by 06/15/2023 • Earn high interest rate of 4.00% APY • No minimum opening deposit, no minimum balance requirement, and now no fees • Interest on Discover Online Savings Accounts is compounded daily and credited monthly • Manage your account online or with the Discover mobile app • FDIC insurance up to $250,000 • See advertiser website for full details To get your $150 or $200 Bonus: What to do: Apply for your first Discover Online Savings Account, online, in the Discover App or by phone. Enter Offer Code HMB223 when applying. Deposit into your account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Deposit must be posted to account within 30 days of account open date. Maximum bonus eligibility is $200. What to know: Offer not valid for existing or prior Discover savings customers or existing or prior customers with savings accounts that are co-branded, or affinity accounts provided by Discover. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of the account qualifying for the bonus. Bonus is interest and subject to reporting on Form 1099-INT. Offer ends 6/15/2023, 11:59 PM ET. Offer may be modified or withdrawn without notice. |
 With the American Express® High Yield Savings Account: • Earn 4.00% APY as of 5/31/23 on your deposits. Your High Yield Savings account earns interest daily and is posted to your account monthly. • Links easily with your current bank accounts. No need to switch banks. • FDIC Insured. Your account is insured to at least $250,000 per depositor. • 24/7 Account Access |
 • Earn up to 0.61% APY with interest compounded daily and no monthly fees with the Axos Bank High Yield Savings account • No minimum balance requirements • Free ATM card upon request • $250 minimum opening deposit • Free Incoming Wires |
Money Market Account Options
Money Market accounts allow for a higher yield and gives access to your funds with either checks or a bankcard.
American Riviera Bank has one money market that earns competitive, tiered interest rates.
American Riviera Money Market
- Open this account with $100
- There is an $8 monthly fee unless you maintain a daily balance of $5,000
- Has 7-tiered interest rates
- The interest is calculated daily and paid monthly
- Eligible for eStatements
- Up to 6 debits per statement period
Compare Money Market Accounts
 • Get started and open a Discover Money Market Account in 3 easy steps. • Available nationwide online • Earn high yields with flexible access to your cash. • Earn 3.95% APY balances $100,000 and over • Earn 3.90% APY balances under $100,000 • Open with as little as $2,500. • No hidden fees. No surprises. • Easy cash access via debit or check, or via ATM at over 60,000 no-fee ATMs |
 With the CIT Bank Money Market Account, you can earn a competitive interest rate and access your money easily. • Earn 1.55% APY on your funds • One of the nation's top rates — several times the national average. • Get up to 6 digital transfers/withdrawals per statement cycle • Save smart and get more for your money • Higher rates than traditional banks • Get 24/7 Account Access • Secure banking features • Open with as little as $100 • FDIC insured |
Reasons to Bank with American Riviera Bank
- Their savings and money market accounts earn a pretty high APY.
- They provide a Teen Checking and Kids Savings accounts.
- Has a 24-hour banking service line.
- Conduct all your banking online or with the American Riviera Bank mobile app.
Reasons Not to Bank with American Riviera Bank
- They are only located in California with 5 branches in total.
- Has very few general checking or savings accoun.ts available.
- Lacking a senior, holiday, health, etc. checking and savings account.
- Doesn’t offer relationship accounts.
American Riviera Bank Routing Number
The routing number for American Riviera Bank varies based on regions or locations. To find your routing number, check the lower left hand corner of your American Riviera Bank check.
Contact Customer Service
You can reach American Riviera Bank at 805-965-5942.
Their business hours are based on locations so you can also check their website for when they are open.
They also have a 24-hour automated banking service line that you can call at 805-568-0213.
How American Riviera Bank Compares
- Chase Bank: Chase is one of the biggest banks in the U.S and offers just about almost everything. Compared to its other competitors, Chase offers much more checking account options.
- Discover Bank: Discover Bank is also an online nationwide bank that offers bonuses for their checking and savings accounts! You can earn cash back rewards when you open a checking account and generous bonuses for opening a savings one.
- Wells Fargo: Located throughout the US with over 5,800 branches and 13,000 ATMs. They offer a variety of deposits accounts, including accounts for teens and customers who need a second chance.
Bottom Line
If you live in California and are only looking for basic accounts with average benefits, then American Riviera Bank has those options.
A good amount of their checking and savings accounts also have low minimum balance requirements and almost no monthly fees.
All of their checking and savings account are pretty simplistic but still has some good benefits and earn high rates.
However, keep in mind that when you look for a checking or savings account be sure to look into all the fees charged. Don’t focus on the interest rate alone, but on what the account will cost you overall.
If American Riviera Bank has the variety and options you’re looking for, apply today! For more options from a variety of banks, see our list of the best bank promotions!
