1. See all your accounts in one place. The Personal Financial Management tool provides account aggregation, allowing you to easily add external accounts (meaning, accounts that are not at American Riviera Bank) and view them together with your American Riviera Bank accounts on your online banking Home page.
2. Categorization is easy and automated. Simple transaction descriptions and automatic categorization can be used across both your American Riviera Bank and externally held accounts.
3. Great widgets to help you understand and manage your finances. You can view your personal data in a variety of ways, such as budgets, spending, net worth, debts, and trends.

All consumer account holders with online banking can use the Personal Financial Management tool. While not intended for businesses, some sole proprietors may also benefit from the functionality. It is not available to larger business or Corporate Banking users. Business customers can export data via comma-separated (SSV), Excel, or Extensible Markup Language (XML) to import into QuickBooks or other financial management tools.

Yes! We recommend using our app, but you can also use your preferred browser on your phone.

Don’t have the app? Download it now:

1. Go to the Apple App Store or Google Play Store and search for American Riviera Bank to download the "ARB Mobile app."
2. Use your online banking login credentials to login.

To enroll:

1. On the Login page, enter your Login ID and Password.
2. Read the PFM Agreement, then click or tap Agree or Later. If you select Agree, all PFM functionality on the Home page is enabled. If you select Later, you will be able to see the PFM widgets, but functionality will be disabled until you accept the PFM Agreement. 

Linking accounts held at external financial institutions allows you to manage your finances by seeing balances and transactions all in one place, on any device. Link your credit cards, loans, checking, and savings accounts. Online banking updates data regularly so you always see accurate balances and recent transactions.

To link an account:

1. On the Home page, click or tap the Link Account button in the widget bar. Alternatively, click or tap the link account icon () above the first account group or the Link Account tile below the account groups.
2. When a list of popular Financial Institutions appears, select a Financial Institution by either:
   • Clicking or tapping the name or logo, or
   • Typing the name or URL in the Search box. As you type, matching Financial Institution(s) appear. Click a name to select it.
3. Provide your online banking credentials and click Continue. If the Financial Institution requires multi-factor authentication (MFA), you will be prompted to supply more information to complete the login.

Tip:  The time needed to aggregate accounts depends on many factors, including the external Financial Institution, number of accounts, and server speed. Click Link More Accounts to aggregate accounts from another Financial Institution. Click Close to return to the Home page where the aggregation status appears, along with any prompts for details such as account credentials.

1. When aggregation is complete, external accounts appear on the Link Account page, with the Hidden/Visible toggle set to Visible. Click or tap the Hidden/Visible toggle to hide an account on the Home page and in widgets.
2. (Optional) Repeat steps 2 through 4 to link more accounts held at other financial institutions.
3. Click Continue.

Note: Do not confuse linked accounts with external transfer accounts. PFM will only display data about the linked accounts. You can transfer funds between your American Riviera Bank accounts and external bank accounts by going to Services > Add External Accounts. You will need to enter the account and routing number of the account you would like to link and wait to have it verified with micro deposits. You will be able to make transfers to and from the account after it is verified.

After you link accounts, they appear in a Linked Accounts group on the Home page, providing a full financial picture. You can reorder and group accounts, as necessary. 

To update login credentials:

1. On the Home page, scroll down to the Linked Accounts group.
2. On the desired linked account, swipe left or click the two vertical bars, then select Update Login.
3. Enter your updated credentials, then click Continue. 

The Manual accounts feature within PFM allows you to add additional accounts and assets to your banking Home page. You can manually add accounts to help build a complete picture of your financial portfolio in a single, convenient location. This feature is especially helpful if you would like your Net Worth widget within PFM to include other assets, such as your house or car.

To add an account, do the following:

Add a Manual account tile.

Note:  The fields displayed are dependent on the type of account you would like to add. For instance, if you select Loan under Account Type, fields such as Financial Institution, APR etc., will populate.

• Navigate to the Home page and scroll down to the Add a Manual account tile.
• Click or tap Add a Manual account.
• In the Add a Manual account window enter your information in the following fields:
  1. Account name
  2. Account type
  3. Balance
• Click or tap Save to confirm your changes.
• In the Success window select Done.

To edit your existing Manual account, navigate to the Home page and follow the steps below:

Accessing Vertical Menu

• Click or tap the vertical () menu to the right of the account tile.
• Select Edit account from the vertical menu.
• Update the relevant account fields to change your Manual account details.
• Select Save to complete your edits.
• In the Success window select Done.

To delete your existing Manual account, follow the steps below:

• Click or tap the three vertical dots () menu to the right of the account tile.
• Select Delete account from the vertical menu.
• Select Delete to confirm account deletion.

When you add a linked account in online banking, you have the option to select Visible or Hidden.

If you select Visible, the account appears on the Home page and you can access the details about it. It also appears on the Account Preferences page and you can edit the nickname, change the order in which the account appears, etc. The account is also aggregated (that is, included) in PFM.

If you select Hidden, the account does not appear on the Home page. It appears in the Hidden section of the Account Preferences page where you can modify its visibility if you change your mind, but you cannot edit the nickname, reorder the account, etc. Also, the account is not aggregated in PFM calculations. 

You can split a single transaction across multiple categories to better manage your budget.

To split a transaction category:

1. On the Home page, click or tap an account. The Account Details page appears.
2. Click or tap a transaction. The transaction details appear.
3. In the transaction details, do the following:
   1. Click or tap the split icon ( ).
   2. Enter the amount you want to split to a separate category.
   3. Click or tap the category icon, then select a new category for the amount you want to split.
   4. Click or tap Add Split to continue splitting the transaction.

Note the following details about splitting transactions:

• You can add up to a total of 9 splits.
• After you split a transaction, you can no longer edit the Category from the transaction summary.
• You cannot edit the description of an individual split.
• The split amount must have a value greater than 0. If the value of the split is left at 0, the split will not be saved. 

You can export, including categories and other available transaction data from aggregated accounts. Export formats include comma-separated values (CSV), extensible markup language (XML), and Excel (XLS).

To export data:

1. On the Home page, click or tap an account.
2. Click or tap the export icon ().
3. Select the export format. The file downloads to the default folder.