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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 started in 1983 and has its headquarters in Sacramento, California. It handles $656 million in assets and $558 million in deposits, which makes it a medium-size bank. American River Bank lacks premium access to support representatives, with no options for live chat or all-day service. It is a traditional brick-and-mortar bank with in-person service, in addition to its online and mobile apps. Coming in at a commendable 4 out of 5 stars, American River Bank is a respectable bank that deserves your consideration. American River Bank offers a mixture of banking products, which include savings accounts, checking accounts, money market accounts, CDs and IRAs. It has a fair savings rate compared to the average savings account. If you're looking for a checking account for everyday use, American River Bank's ordinary checking account does not have a monthly fee. Finding a checking account with no monthly fee as well as a savings account with a high interest rate at the same bank is the best option for accruing 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

With a savings rate of 0.01%, American River Bank ranks poorly in comparison to the national average. Its one-year and five-year term lengths CDs earn at a rate of 1.33% and 1.92%, respectively, while its highest-yielding money market account earns at a rate of 0.02%. Given American River Bank's noncompetitive savings rate, you should consider 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 has typically extremely low fees in comparison to other U.S. banks. Its checking account has no monthly fee, which makes it excellent for anyone looking for a hassle-free account. For those who will need cash in a pinch, it is perfect because it has no out-of-network ATM fees. Also, at $33.00, American River Bank has a significantly lower overdraft fee compared to the average overdraft fee charged by U.S. banks. American River Bank reimburses any incurred out-of-network ATM fees (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. With mobile and web apps, American River Bank makes account access easy, even on the go. American River Bank's mobile app allows you to control your accounts by looking at current statements, transferring funds and reaching customer service. American River Bank receives a superb consumer satisfaction score due to relatively few complaints filed with the Consumer Financial Protection Bureau (CFPB), a government agency that protects consumers in the financial sector.

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 is currently a medium-size bank and owns assets totaling $656 million as well as deposits totaling $558 million. American River Bank's Texas Ratio is 3.54%, denoting a negligible likelihood 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 to give you many options to manage your money. American River Bank does not have the best savings rate, which means you should think about other options 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 locations in the U.S.

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