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American River Bank Review

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American River Bank Savings
0.01% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


American River Bank first started operating in 1983 and its headquarters are located in Sacramento, California. American River Bank manages assets of $656 million as well as deposits totaling $558 million, making it a medium-size bank. American River Bank lacks premium access to customer service, with no options for live chat or all-day service. It is a conventional brick-and-mortar bank with in-person service, in addition to its online and mobile apps. On the whole, American River Bank is a good bank that deserves your consideration, with a score of 4.0 out of 5 stars from our team. American River Bank provides customers with a varied selection of banking products, which include savings accounts, checking accounts, money market accounts, CDs and IRAs. It has a fair savings rate; other popular banks have higher rates. If you're looking for a checking account for everyday use, the bank's standard checking account does not carry a monthly maintenance charge. Banks that offer free checking as well as a high savings APY are your best bet for returning the most income on your deposits while maintaining convenient access to your funds.

How We Rated It

SmartAsset's Overall Rating

National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more


SmartAsset Average: 3.5

American River Bank has a savings rate of 0.01%, which is fair in comparison to the average U.S. bank. Its CDs feature a rate of 1.33% and 1.92% for the one-year and five-year term lengths, respectively, while its highest-yielding money market account has an APY of 0.02%. Given its noncompetitive savings rate, you should think about other options to earn more on your deposits.

How American River Bank's Savings Rates Compare

American River Bank Savings 0.01 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

American River Bank typically has extremely low fees compared to the national average. With no monthly fee, American River Bank is ideal for people who want a basic checking account. For those who will need cash in a pinch, American River Bank is ideal because it charges no out-of-network ATM fees. Additionally, at $33.00, American River Bank's overdraft fee is considerably lower than the average overdraft fee charged by U.S. banks. American River Bank reimburses any incurred out-of-network ATM charges (with conditions), making finding an ATM a free and simple process.

Monthly Fee $0 National Average: $3.21
Non-network ATM Fee $0 National Average: $1.20
Overdraft Fee $33.00 National Average: $35.00
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Service Quality

SmartAsset Average: 3.7

American River Bank is a brick-and-mortar bank, with 12 total branches in California. It also offers access to mobile and web apps for a straightforward mobile-banking experience. You can access American River Bank's app to manage your accounts by reviewing monthly statements, sending and receiving money and accessing support representatives. American River Bank gets a superb consumer satisfaction score due to relatively few consumer complaints brought to the Consumer Financial Protection Bureau (CFPB), a government-sponsored consumer protection agency.

Overall Mobile Rating NR
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

SmartAsset Average: 4.8

American River Bank ranks as a medium-size bank with assets totaling $656 million and $558 million in deposits. American River Bank's Texas Ratio is 3.54%, signifying a low possibility of failure. Additionally, American River Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

High Risk 75% 50% 20% 10% Low Risk

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare American River Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.01% APY $1
Checking Account 0.01% APY $2500
Certificates of Deposit
  • 12 Month: 1.33% APY
  • 24 Month: 1.59% APY
  • 36 Month: 1.66% APY
  • 48 Month: 1.77% APY
  • 60 Month: 1.92% APY
$2500 for all terms
Money Market Account 0.02% APY $10000

American River Bank has several deposit products including savings accounts, checking accounts, money market accounts and CDs that provide you with many options to manage your money. American River Bank does not have the best savings rate, which means you should consider looking elsewhere for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. American River Bank's CD rates are fair compared to the average U.S. bank.

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Find a American River Bank Near Me

American River Bank has 12 branches across the U.S.

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