Designed for businesses with high transaction volumes and/or robust treasury service needs, Ascent Analyzed checking takes the full deposit relationship of your business and puts it to work for you by potentially offsetting fees for the services you use through an earnings credit based on your eligible account balances. A monthly analysis statement provides detailed transaction tracking to help manage complex business needs.
| Minimum to Open | $100 |
| Monthly Service Charge | $25 |
| Earnings Credit | Competitive earnings credit rate which can be used to offset fees. The earnings credit is calculated by multiplying the average investable combined balance of eligible primary and secondary accounts by the earnings credit rate1. |
| Activity Fees | $.35 per check paid (paper or electronic) $1.40 branch deposits $.20 cash deposits (per $100) $.20 coin deposited (per roll) $.17 coin supplied (per roll) $5 loose coin deposited (per bag) $.12 deposit item processing |
| Monthly Paper Statement Fee Waived with electronic statement enrollment | $5 |
| Monthly Analysis Statement | A transparent record of all services rendered, the processes used to determine the fees charged, and the earnings credit accrued during the period to help monitor banking services more effectively. |
| Benefits | Benefits available at no additional monthly fee: (may require enrollment) 90-day fee waiver for new relationships Commercial online banking with up to five (5) deposit accounts and five (5) users2 5 hours of concierge services at account setup3 Fraud protection (check and ACH positive pay) Premium reporting package with extended history Incoming domestic wires ACH origination4 Wire origination4 Overdraft transfers from deposit accounts Business debit card Additional Treasury Services available: (additional fees apply5; requires enrollment) Account reconciliation Direct secure file transfer Zero-balance sweep accounts Earnings credit may offset the following fees: Account reconciliation ACH origination Check orders/indorsement stamps Cashier’s checks Comprehensive fraud package Concierge services Courier services Deposit account control agreement Direct secure file transfer Hard or soft tokens Interim statements Legal processes Lock box Monthly service charges for primary and linked secondary accounts Remote deposit capture Research Safe deposit box Wire origination Earnings credit may not offset the following fees: ACH return administration ACH manual reversal Returned items and overdrafts Notification of change handling |
First Vice President, Banking Relationship Manager
Send
E-mail
805 730 7864
NMLSR: #1484454
Location: Santa Barbara
Vice President, Senior Client Services Officer
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E-mail
805 540 6243
NMLSR: #1097395
Location: San Luis Obispo
First Vice President, Regional Branch Manager
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E-mail
805 296 1771
NMLSR: #1038237
Location: Paso Robles
A crystal-clear view of your company's financial landscape at your fingertips. Our state-of-the-art reporting tools offer a treasure trove of features to help you manage your daily financial ope…
Speed up your funds availability and eliminate unnecessary trips to the bank by scanning and transmitting multiple checks at a time, all from the comfort of your office.
Fight back against business check and ACH fraud. Our comprehensive transaction management system encompasses check positive pay and ACH positive pay—in a single platform.
Our wire transfer service isn't just about moving money—it's about giving you control, security, and peace of mind.
American Riviera Bank knows and cares about our customers.
