17 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 21, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $11, the middle of its prices
Wire Transfer (Domestic Out)
Stop Payment
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for California, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Bring fees, filings and market context together.
American Riviera Bank · $1.4B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| American Riviera Bank(this institution) | Santa Barbara, CA | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Alliance Bank | Sulphur Springs, TX | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| American Heritage Bank | Sapulpa, OK | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Ameriserv Financial Bank | Johnstown, PA | $1.5B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Apex Bank | Camden, TN | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Armed Forces Bank, National Association | Fort Leavenworth, KS | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Benchmark Community Bank | Kenbridge, VA | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Central Bank Illinois | Geneseo, IL | $1.5B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Citizens Bank | Elizabethton, TN | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Citizens Bank and Trust | Frostproof, FL | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Elkhorn Valley Bank & Trust | Norfolk, NE | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Farmers & Merchants Bank | Timberville, VA | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| First Federal Savings Bank of Twin Falls | Twin Falls, ID | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Grove Bank & Trust | Miami, FL | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Independence Bank | Havre, MT | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Marquette Savings Bank | Erie, PA | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| North State Bank | Raleigh, NC | $1.5B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Pathfinder Bank | Oswego, NY | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Peoples Bank of Alabama | Cullman, AL | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Rhinebeck Bank | Rhinebeck, NY | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Saco & Biddeford Savings Institution | Saco, ME | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| SULLIVAN BANK | Sullivan, MO | $1.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Ulster Savings Bank | Kingston, NY | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Union County Savings Bank | Elizabeth, NJ | $1.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| United Bank | Atmore, AL | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Watertown Savings Bank | Watertown, MA | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 16 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $11, the middle of its four prices, against a peer median of $8.50 among 16 publishing peers.
Its four checking prices are $5, $7, $15 and $25.
$11 is a comparison price, not a fee anyone is charged.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026. Total assets from FDIC and NCUA records.
Amounts from American Riviera Bank’s own schedules, with a source for each figure.
per month
per month
per month
per month
per hour
per month
per item
per item
per item
per year
per year
per year
per year
per year
per year
per year
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly service charge (audience not stated, treated as personal) | $5 | per month | None |
| Monthly Service Charge (audience not stated, treated as personal) | $7 | per month | None |
| Performance Checking Monthly service charge (audience not stated, treated as personal) | $15 | per month | None |
| Pinnacle Checking Monthly Service Charge (audience not stated, treated as personal) | $25 | per month | None |
| Statement Reconciliation | $50Not compared: Charged per hour; comparison unavailable | per hour | None |
| Monthly Paper Statement Fee Waived with electronic statement enrollment (audience not stated, treated as personal) | $5 | per month | None |
| Paper Statement fee | $2 | Not stated | None |
| Excessive Activity fee When there are more than the maximum allowed debits per statement cycle on an account | $15 | per item | None |
Overdraft & NSF | |||
| Overdraft Daily Cap (audience not stated, treated as personal) | $144 | per day | None |
| Returned Item Daily Cap (audience not stated, treated as personal) | $144 | per day | None |
ATM & Card | |||
| Debit Card Replacement | $20 | per item | None |
Wire Transfers | |||
| Outgoing Wires Domestic Online | $20 | Not stated | None |
| Incoming Wires Domestic Free International | $25 | Not stated | None |
Check Services | |||
| Cashier's Check | $10 | per item | None |
| Stop Payment fees | $20 | per item | None |
| Counter Check | $3 | per item | None |
| Collection Item | $20 | per item | None |
| Copy of Paid Check | $3 | per item | None |
Cash & Deposit | |||
| Deposited Item Return | $10 | per item | None |
Account Services | |||
| Notary Services Account holders only | No charge | Not stated | None |
| Annual fee: 3x5 | $36 | per year | None |
| Safe Deposit Box 10x10 | $240 | per year | None |
| Safe Deposit Box 10x10 (audience not stated, treated as personal) | $240 | per year | None |
| Safe Deposit Box 3x10 | $90 | per year | None |
| Safe Deposit Box 3x10 (audience not stated, treated as personal) | $90 | per year | None |
| Safe Deposit Box 5x10 | $120 | per year | None |
| Safe Deposit Box 5x10 (audience not stated, treated as personal) | $120 | per year | None |
| Safe Deposit Box 5x5 | $75 | per year | None |
| Safe Deposit Box 5x5 (audience not stated, treated as personal) | $75 | per year | None |
| Safe Deposit Box Annual fee: 3x5 (audience not stated, treated as personal) | $36 | per year | None |
| Legal Process | $100 | Not stated | None |
Other Fees | |||
| Copy of Statement | $2 | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 21, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
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