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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


Established in 2006, American Riviera Bank has assets totaling $515 million and deposits totaling $449 million, classifying it as a medium-size bank. American Riviera Bank, whose headquarters are in Santa Barbara, California, lacks premium access to customer service, with no live chat or all-day service options available. It is a traditional brick-and-mortar bank with in-person service, in addition to its online and mobile offerings. At a SmartAsset rating of 4.4 out of 5 stars, American Riviera Bank should be solidly in contention for your choice of bank. American Riviera Bank has a diverse array 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 standard checking does not have a monthly charge. Institutions that offer free checking as well as a high interest rate savings account are the best bet for getting the most income from 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 0.10%, American Riviera Bank ranks poorly compared to the average U.S. bank. American Riviera Bank's CD rates are 1.50% and 2.00% for the one-year and five-year term lengths, respectively, while its highest-yielding money market account has an APY of 0.20%. Given American Riviera Bank's noncompetitive savings rate, you should think about other options 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 national average. With no monthly fee, American Riviera Bank is ideal for people who want a basic checking account. American Riviera Bank refunds their out-of-network ATM fees (with conditions), making getting cash a free and straightforward process.

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. It also offers access to mobile and web apps for easy access and banking on the go. American Riviera Bank gets relatively high praise from users for its mobile platform. The American Riviera Bank mobile app is rated at 4.0 out of 5 (with 6 customer reviews on iOS and Android) compared to the national average of 3.8. You can use American Riviera Bank's app to manage your finances by reviewing account balances, sending and receiving funds as well as accessing support representatives. American Riviera Bank receives a superb consumer satisfaction score due to relatively few consumer complaints brought to the Consumer Financial Protection Bureau (CFPB), a government-backed consumer protection agency.

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 with $515 million in assets as well as deposits totaling $449 million. Its Texas Ratio is 0.91%, indicating that the bank is in outstanding financial shape and far from 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: 1.50% APY
  • 24 Month: 2.00% APY
  • 36 Month: 2.00% APY
  • 48 Month: 2.00% APY
  • 60 Month: 2.00% 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 consider taking a look 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 Riviera Bank's CD rates are fair in comparison to other U.S. banks.

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Find a American Riviera Bank Near Me

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

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