American River Bank offers account options for businesses and educators. To find out if American River Bank is right for you, continue reading the review below.
They have two unique checking accounts for educators and employees that both earn interest and offer interesting benefits.
Checking Account Options
American River Bank offers a decent selection checking accounts with varying opening deposits and balance requirements.
You might have to contact American River in order to find out their opening deposits.
Their checking accounts come with the standard features that most accounts have.
This standard checking account has no monthly fee if you sign up for eStatements or keep a daily balance of $1,000.
There are several benefits that comes with this account such as unlimited check writing, all access to online banking, a debit Mastercard and more!
This is an interest bearing checking account that comes with all the same benefits as the personal checking account.
This account also offers overdraft protection when you link it to an American River savings account.
There is a $10 monthly fee but you can waive it by signing up for eStatements or keeping a daily balance of $5,000.
A senior checking account that earns tiered interest rates on all balances.
There is a smaller monthly fee of $5, but you can waive it if you sign up for eStatements or have a daily balance of $1,000.
An account designed for educators such as teachers or administrators of a non profit organization.
In addition to the already included benefits, you also will receive free basic checks.
There are actually no monthly fees nor minimum balance requirements!
The Employer Plus Banking Program encourages businesses to build a competitive employee benefits package.
This checking account benefits employees and your business by offering them value-added financial products and other services.
There are no monthly fees nor minimum balance requirements either.
Compare Checking Accounts
 • New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities • Chase Mobile® app - Manage accounts, pay bills, send money to friends with Zelle® and deposit checks from almost anywhere. • Chase Overdraft AssistSM – no overdraft fees if you’re overdrawn by $50 or less at the end of the business day or if you’re overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day* • Help keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock. • Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law. • With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs. • Open your account online now • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com. *With Chase Overdraft AssistSM, we won’t charge an Overdraft Fee if you’re overdrawn by $50 or less at the end of the business day OR if you’re overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts. |
Savings Account Options
American River Bank has a pretty large variety of savings accounts that all have varying opening deposits and minimum balance requirements.
You need a minimum deposit of $100 to open this account
There is a $3 monthly fee, and you can waive it if you maintain a daily balance of $500 or if you’re under 18.
The interest earned is paid monthly.
A holiday savings account to help you set aside your holiday expenses for special occasions.
Since there are also no monthly fees nor minimum balance requirements, you can save for the holidays easily and hassle free.
Compare Savings Accounts
 Open a Discover® Online Savings Account for all these features: • Earn $200/$150 Bonus with promo code LOP325 by 9/11/2025 • Earn high interest rate of 3.70% APY • No minimum opening deposit, no minimum balance requirement, and now no fees • Interest on Discover Online Savings Accounts is compounded daily and credited monthly • Manage your account online or with the Discover mobile app • FDIC insurance up to $250,000 • See advertiser website for full details To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code LOP325 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200. What to know: Offer not valid for existing or prior Discover savings customers. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 09/11/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding, see FAQs on Discover.com/Bank. |
Money Market Account Options
Money Market accounts allow for a higher yield and gives access to your funds with either checks or a bankcard.
American River Bank has two money market accounts that earns competitive interest rates.
Business Money Market:
- You will need a minimum deposit of $2,500 to open this account
- There is a $10 monthly fee, but it can be waived with a daily balance of $3,500
- Has unlimited deposits
- Link this money market to a checking account for Overdraft Protection
Compare Money Market Accounts
 • Get started and open a Discover® Money Market Account in 3 easy steps. • Available nationwide online • Earn high yields with flexible access to your cash. • Earn 3.65%% APY balances $100,000 and over • Earn 3.60% APY balances under $100,000 • No hidden fees. No surprises. • Easy cash access via debit or check, or via ATM at over 60,000 no-fee ATMs |
CD Account Options
American River Bank offers CDs that earn really high, competitive interest rates. You can open each CD with $2,500.
These terms are available from 6 months to 5 years. To view rates and other information, click here.
The CDs will also automatically renew upon maturity.
Compare CD Accounts
• Available nationwide online, Discover® offers CDs with some of the highest & most competitive rates! with select terms as short as 3 months up to 120 months • Rates ranging from 2.00% APY up to 4.00% APY. • Opening a Discover Bank Certificate of Deposit is extremely quick and easy. • Funds on deposit are FDIC-insured up to the maximum allowed by law. • Get started and open a Discover CD in 3 easy steps. |
Reasons to Bank with American River Bank
- Have a checking account for educators, teachers and other members of society.
- Offers overdraft protection when you link a checking account with a money market account.
- Provides a checking account for business owners and employees can benefit from it.
- Has a senior checking account that earns pretty decent interest rates.
- Has a holiday/vacation savings account that earns interest for a low opening deposit.
- Their savings and money market accounts earn a pretty high APY.
- Conduct all your banking online or with the American River Bank mobile app.
Reasons Not to Bank with American River Bank
- They are only located in California with 12 branches in total.
- Doesn’t display opening deposits for checking accounts on their website.
- Their premium money market account requires a pretty high opening deposit and minimum balance requirement.
- Lacking a student checking or savings account.
American River Bank Routing Number
The routing number for American River Bank varies based on regions or locations. To find your routing number, check the lower left hand corner of your American River Bank check.
Contact Customer Service
You can reach American River Bank at 916-851-0123.
Their business hours are based on locations so you can checking their website for when they are open.
How American River Bank Compares
- Chase Bank: Chase is one of the biggest banks in the U.S and offers just about almost everything. Compared to its other competitors, Chase offers much more checking account options.
- Discover Bank: Discover Bank is also an online nationwide bank that offers bonuses for their checking and savings accounts! You can earn cash back rewards when you open a checking account and generous bonuses for opening a savings one.
- Wells Fargo: Located throughout the US with over 5,800 branches and 13,000 ATMs. They offer a variety of deposits accounts, including accounts for teens and customers who need a second chance.
Bottom Line
For those who live in California and happen to be an educator or business owner, American River Bank has some unique accounts that might interest you.
Their Community Hero checking account is great for teachers or professor who are looking for an easy checking account without having to maintain anything on top of their busy schedule.
With the Employer Plus Banking Program, you can also recruit more employees by offering an employee benefits package.
However, keep in mind that when you look for a checking or savings account be sure to look into all the fees charged. Don’t focus on the interest rate alone, but on what the account will cost you overall.
If American River Bank has the variety and options you’re looking for, apply today! For more options from a variety of banks, see our list of the best bank promotions!
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