Personal Banking
Personal Lines of Credit

American River Bank offers Personal Lines of credit to give you greater buying power and the flexibility to cover unexpected expenses.  Your unsecured lines of credit can be tied to your American River Bank checking account and funds can be advanced into your account upon request, providing account protection against overdrafts when needed!

Our loan experts will walk you through the process and help speed up the lending process — so you spend less time filling out paperwork and more time on what you want. We offer two options to help your needs.

Ready Reserve Line of Credit of $1,000 to $9,999

  • Quick and easy application
  • No fees
  • Link to checking or automatic transfers and access through your debit card or by check
  • Only pay interest on the funds used

Executive Line of Credit of $10,000 to $50,000

  • Five (5) year term
  • Executive Line checks available
  • $500 set-up fee
  • $200 annual fee