In today’s fast-paced business environment, having access to efficient financial tools is essential for local businesses. Debit cards have become a cornerstone of everyday banking, offering a blend of convenience, rewards, and security that makes them an increasingly popular choice. These benefits help streamline transactions, reduce costs, and enhance overall financial management.
Debit cards allow businesses to access funds quickly and easily for everyday purchases, bill payment, and petty cash needs. No need to carry cash or write checks. You can also use a debit card at an ATM to deposit, withdraw, or transfer funds like a traditional ATM card, making even after-hour banking needs convenient.
American Riviera Bank® Pinnacle and Business Interest Checking accounts both offer cash-back rewards1 for transactions:
ARB business checking accounts can also use debit card transactions to waive monthly service charges2:
Business checking accounts may also receive domestic surcharge refunds when you use a non-ARB ATM, ensuring access to cash while traveling without racking up costly surcharges from other banks.
Businesses can use an ARB debit card to receive automatic rebates at more than 50,000 merchants3. There’s no enrollment fee, no coupons and no codes. Rebates will appear as a credit to the account each month—automatically.
Debit cards are safer than cash or checks and come with features to protect businesses from fraud. You can monitor transactions in real time and quickly report unauthorized activity.
MasterCard’s Zero Liability Protection covers debit card purchases made in the store, over the telephone, online, or via a mobile device and ATM transactions when you do not use a personal identification number (PIN)4. Small businesses will not be held responsible for unauthorized transactions as long as:
MasterCard ID Theft Protection safeguards businesses against possible identity theft. Enrollment is easy and there is no charge.
Once enrolled, MasterCard ID Theft Protection5:
Apple Pay, Google Pay, and Samsung Pay6 allow businesses to use an ARB debit card in stores using a smart phone or watch at contact-less payment terminals by employing near-field communication.
American Riviera Bank’s business debit card solutions offer a blend of convenience, rewards, and security that meets the needs of modern businesses. From cash-back incentives and surcharge refunds to advanced fraud protection and seamless digital wallet integration, these features support efficient financial management and peace of mind. Choosing the right account and leveraging these benefits can help your business thrive while keeping your transactions secure and your finances organized.
Ready to get started? Stop by one of our locations to have a card instantly issued, or contact us to request a card by mail.
1 Cash back rewards are credited to the account the following month.
2 Debit card purchases must post to the account prior to the statement closing date to qualify for monthly service charge waiver.3 Restrictions apply.
3 Rebates currently available for qualifying eligible purchases. Participating merchants and rebate offers subject to change. You'll receive Mastercard® Easy Savings Program rebates on top of merchant discounts and your card rewards.
4 See https://www.mastercard.com/us/en/personal/protection-and-security/zero-liability-protection.html for complete details.
5 These are summary descriptions only. Certain terms, conditions and exclusions apply. Cardholders need to register for this service. This service is provided by General Global Assistance Inc. Please see your Guide to Benefits for details or call 1-800-MASTERCARD. For complete terms and conditions for your American Riviera Bank® debit card, contact us at [email protected] or 805-965-5942
6 Registration required and terms and conditions apply. Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPad Pro, iPhone, iTunes, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Wallet is a trademark of Apple Inc. App Store is a service mark of Apple Inc. Android, Chrome, Google Pay, Google Pixel, Google Play, Wear OS by Google, and the Google Logo are trademarks of Google LLC. Samsung, Samsung Pay, Galaxy S (and other device names) and Samsung Knox are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Other company and product names mentioned may be trademarks of their respective owners. The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.
