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American Riviera Bank Review

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American Riviera Bank Savings
0.10% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


American Riviera Bank started in 2006 and has its headquarters in Santa Barbara, California. American Riviera Bank handles assets of $515 million as well as deposits totaling $449 million, classifying it as a medium-size bank. American Riviera 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 offerings. Coming in at a commendable 4.4 stars out of 5, American Riviera Bank proves it is a great bank that you should seriously consider. American Riviera Bank offers the full selection of banking products, including savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards. It has a fair savings rate; other popular banks have higher rates. If you're looking for a checking account for everyday use, American Riviera Bank's ordinary checking account does not have a monthly fee. Obtaining a checking account with no monthly fee, in addition to a savings account with a high APY at the same institution is your best option for returning the most income from your deposits while maintaining easy 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 0.10%, American Riviera Bank ranks poorly as compared against the national average. Its CD rates are 1.75% and 2.50% for the one-year and five-year term lengths, respectively, while its highest-yielding money market account earns at a rate of 0.20%. Given American Riviera Bank's below average savings rate, you should consider choosing another bank to earn more on your deposits.

How American Riviera Bank's Savings Rates Compare

American Riviera Bank Savings 0.10 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

American Riviera Bank has generally extremely low fees compared to the average U.S. bank. Its checking account has no monthly fee, ranking it excellent for anyone looking for a simple account. American Riviera Bank refunds any incurred out-of-network ATM fees (with conditions), which means handy access to cash at any time.

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

SmartAsset Average: 3.7

American Riviera Bank is a brick-and-mortar bank, with five total branches in California. With mobile and web apps, American Riviera Bank makes account access straightforward, even on the go. American Riviera Bank's online and mobile banking services get reasonably good feedback from users. The American Riviera Bank mobile app has been given a 4.0 out of 5 (with 6 reviews on Apple and Android) compared to the national average of 3.8. You can use American Riviera Bank's app to control your bank accounts by reviewing current statements, transferring funds as well as accessing support representatives. American Riviera Bank gets a superb consumer satisfaction rating based on relatively few complaints registered with the Consumer Financial Protection Bureau (CFPB), a government agency that protects consumers in the financial sector.

Overall Mobile Rating 4.0/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

SmartAsset Average: 4.8

American Riviera Bank is a medium-size bank and has assets totaling $515 million as well as $449 million in deposits. It has an excellent Texas Ratio of 0.91%, signifying a low possibility of failure. Additionally, American Riviera Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

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 Riviera Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.1% APY $1
Checking Account 0.05% APY $2500
Certificates of Deposit
  • 12 Month: 1.75% APY
  • 24 Month: 2.50% APY
  • 36 Month: 2.50% APY
  • 48 Month: 2.50% APY
  • 60 Month: 2.50% APY
$5000 for all terms
Money Market Account 0.2% APY $25000

American Riviera 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 Riviera 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 Riviera Bank's CD rates are fair compared to the national average.

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Find a American Riviera Bank Near Me

American Riviera Bank has five locations in the U.S.

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