Frequently Asked Questions

Locate the topic and your question in the list below and click on the question to see the answer. If you cannot find your question in the list below, please contact us.

There is no charge for your first card requested. Subsequent replacement cards cost $5.00 each.

Yes, when you request your ATM or Debit Card you can request your unique PIN at that time.

You can apply for an ATM or Debit Card by coming into the branch.

If you require assistance with your ATM or Debit Card contact us at (954) 491-7788 or utilize our Customer Contact Form.

Use your ATM/Debit card at any ATM or Point of Sale terminal displaying the Cirrus®, Star®, Presto®, or MasterCard® emblems.


  • ATM withdrawals made at any Presto! ATM are always free of a service charge
  • We never charge a fee for the use of your ATM card at automated teller machines that are not operated by us
  • We waive the fees for the first four ATM withdrawals each month assessed by other financial institutions
  • After the first four withdrawals per month, you may be charged a fee by the owner of the machine


When making a purchase at a merchant that accepts Debit MasterCard, you should always press “CREDIT”. You should only press "DEBIT" and use your PIN when you want cash back.

If you notice an unauthorized ATM or Debit Card transaction on your account either through online banking or your monthly statement, you should contact customer service as soon as possible at (954) 491-7788.


During normal banking hours: 


  • Call (954) 491-7788 and speak to a Personal Banker


Outside normal banking hours (both of the following options are available 7 days/24 hours):


  • On the Internet using our online banking system (recommended):
    -Login to your Internet Banking Account at
    -Click on the Options tab
    -Select the Report ATM/Debit Card Lost/Stolen menu
    -Check the Lost/Stolen box next to the appropriate ATM/Debit card and click Submit
    -Your card will be deactivated immediately.
  • By phone: Call (866) 546-8273 or (954) 491-7788 and select option 2



If you have any questions regarding Online Banking or Bill Payment contact us at (954) 491-7788 or utilize our Customer Contact Form.

Once you have registered for Online Banking, you may contact us by telephone at (954) 491-7788 or our Customer Contact Form with any questions you may have. Support is available from 9:00 AM to 5:00 PM Monday through Friday

Yes, we support downloads in the following formats:


  1. Intuit Quicken (QFX)
  2. Intuit QuickBooks (QBO)
  3. Intuit QuickBooks (IIF)
  4. Personal Finance (QIF)
  5. Microsoft Money (OFX)
  6. Spreadsheet (CSV)
  7. Word Processing (TXT)


Commercial Real Estate Loans, Commercial Business Loans, Home Equity Loans, and Personal Loans.

No, we do not offer Student Loans.

Yes, loan payments can be made online.

American National Bank, 4301 North Federal Highway, Oakland Park, FL 33308

American National Bank, 4301 North Federal Highway, Oakland Park, FL 33308

For questions on your loan, please contact the Loan Operations team at (954) 267-8144.

For questions on getting a new loan, please contact our Lending Assistant at (954) 267-8121.

To use our online banking system, you will need a computer with Internet access from an Internet Service Provider, and a Web Browser with 128-bit encryption. Our online banking system does not support use of browsers with 40 or 56-bit encryption .

American National Bank recommends the following Internet browser for use with online banking. Click here for a complete list of recommended browsers.

The Online Banking System takes full advantage of the security provided by your Web browser and your Web server. Your transactions are encrypted as they travel over the Internet. Anyone trying to listen in on your communications will not be able to decipher them.

In addition, your Online Banking account is protected by a password (or "PIN": your Personal Identification Number). No one can use your account without knowing your PIN.

There are basically two types of encryption: "High" and "Standard". The difference between these types of encryption is the strength of capability. A "High" (128-bit) encryption is exponentially more powerful than a "Standard" (40 or 56-bit) encryption. "High" or 128-bit encryption means there are a septillion possible keys that could fit into the lock that holds your account information, but only one that works for each time you bank online. American National Bank uses the highest level of encryption (128-bit) to ensure your online transmissions are secure. Our online banking system does not support use of browsers with 40 or 56-bit encryption.

Online Banking and Bill Payment is FREE!

If you are a RETAIL/NON-BUSINESS customer:

  • Go to our home page - click here
  • Click the Submit button in the upper right - leave the User ID field blank
  • Click the Enroll link and follow the instructions on the following screens.


If you are a BUSINESS customer:

  • Click here to open the Business Internet Banking Application
  • Complete the application and print it
  • Deliver the application to the bank using fax, U.S. Mail, or stop by and give it to a Personal Banker in our branch.


You may access Online Banking and Bill Payment through American National Bank's website at Input your User ID and PIN. If this is the first time that you are signing on to the Internet Banking system, you will be prompted to change the bank assigned temporary password to a new password of your choice.

With Online Banking, you can view your American National Bank Checking, NOW, Money Market, Savings, Certificate of Deposit, and IRA accounts, as well as loans.

Yes, as long as you are a signer on an account, you can view it using Online Banking.

Account information is updated nightly Monday through Friday (excludes Saturday, Sunday and federal holidays). For example, you will be able to view Monday’s account information and transactions on Tuesday.

Yes. With Online Banking you can transfer money between eligible American National Bank Checking, NOW, Savings or Money Market accounts. You may also make payments on American National Bank loans from your Checking, NOW, Savings or Money Market Accounts.

Funds transfers and loan payments may only be performed between accounts with the same primary taxpayer identification number (TIN).

Yes. At anytime until you get to the Transfer Funds Approval screen, you can modify or cancel your funds transfer request. However, after you have completed a funds transfer transaction and have received a confirmation number, you cannot stop the transfer from occurring.

Yes, you can do both. You can schedule recurring transfers to occur weekly, bi-weekly, semi-monthly, and monthly.

If you approve a funds transfer or loan payment, a "Confirmation Number" will be displayed. You may use this number if you need to refer to the transfer at a later time. The Confirmation Number will also be listed on your monthly account statement

If you make a funds transfer or loan payment using Internet Banking before 7:00 PM on a business day that we are open, we will consider that day to be the day of your funds transfer or loan payment. However, if you make a funds transfer or loan payment using Internet Banking after 7:00 PM or on a day we are not open, we will consider that the funds transfer or loan payment was made on the next business day that we are open.

Funds transfers performed before 7:00 PM may be viewed on Internet Banking on the following business day. Loan transfers performed before 7:00 PM may be viewed on Internet Banking on the second business day.

Your payments are electronically transferred from your American National Bank checking account to your payee's account through the Automated Clearing House (ACH) network. If the party you are making a payment to is not setup for electronic transfer, a check is sent via US Mail.

Recurring and future dated payments may be established.

The only payments we are unable to make are tax payments and court-ordered payments.

You should allow 3 business days for payments being made electronically. For payments being made by check, you should allow at least 5 business days. The payment method for each of your payees will be clearly identified as either "electronic or "check."

Payments made electronically are deducted from your account when the payment is sent. Payments made by check are not deducted from your account until the check clears. You can view the payments through your online banking account or on your monthly statement.

Verify if the payment was made electronically or by check. If by check, please make sure the payment has not cleared your account. If it has not cleared, ensure that you have allowed at least 7 business days for the payee to receive the payment. If this does not resolve the issue, please contact a Personal Banker at (954) 491-7788 or utilize our Customer Contact Form.

Bill payments may be established with a payment date which falls on a Monday through Friday (excludIng federal holidays). Payments established with a payment date of Saturday, Sunday or a federal holiday will be processed on the next business day. Remember the payment date is not the due date. You should establish the payment date at least 3 business days prior to the payment due date for payments being made electronically. For payments being made by check, you should establish the payment date at least 5 business days prior to the payment due date.

No. Using our Online Bill Payment service will not change the way your payments are credited or how money is moved through your accounts.

Yes. Bill payments cutoff times are at 1:00 PM and 11:00 PM each business day. You can cancel a payment at any time up until the cutoff time.

Once the bill payment has been debited from your account, you CANNOT cancel or stop payment on a bill payment which has been paid electronically. You may be able to stop a bill payment paid by check before the check has cleared. View your account online or contact a Personal Banker at (954) 491-7788 to determine if the check has cleared. If the check has not cleared, you may place a stop-payment on the item.

You will incur stop-payment charges.  Please contact us for our Schedule of Fees.

Yes. That way, you will be able to properly reconcile your checkbook with your American National Bank statement each month.

If you request a payment for more than the balance in your account, the payment will not process until your available balance is sufficient to cover the payment. You may also incur a late fee from your payee if you miss your due date.

Yes, you can choose from a range of dates available for statement production.

The original check cannot be returned to you, however, images of your cleared checks are available in your statement and online free of charge.

Yes, if you have signed up for online banking you can view your statements and cleared checks online.

Yes, if you enroll for E-Statements, you will no longer receive a paper statement. To enroll in E-Statements, click on the E-Docs tab the next time you are in the online banking system.

Log in to your online banking account and click on the E-Docs tab to enroll in E-Statements.

If you notice an error on your bank statement please contact a Personal Banker immediately at (954) 491-7788 or utilize our Customer Contact Form.

You can reach our Telephone Banking line toll free by dialing 1-866-336-2265.

Telephone Banking is available 24 hours a day, 7 days a week, 365 days a year.

You will need your deposit or loan account number. If this is the first time you are using Telephone Banking, the system will prompt you to enter your Tax ID Number (TIN). Once your TIN is verified, you will be prompted to establish your PIN. In the future, you will use the PIN to access your accounts via Telephone Banking.

During normal business hours, please contact a Personal Banker at (954) 491-7788 or use our Customer Contact Form.

You can access your personal checking, savings, Money Market, CD, IRA, and loan accounts. Business users can access checking, savings, Money Market, and loan accounts.

You can check your balances, pending transactions, recent transactions, and make funds transfers.

We are a national, FDIC insured bank.

We are located at 4301 N. Federal Highway, Oakland Park, Florida 33308

Lobby: Monday thru Thursday 9am to 4pm - Fridays 9am to 6pm.

Drive Thru: Monday thru Friday 8am to 6pm.

Main telephone number is (954) 491-7788. 

Customer Service fax number is (954) 491-2833.

You can reorder personal checks by clicking here.

We serve the South Florida area consisting of Broward County, northern Miami Dade County, and southern Palm Beach County. No, we are not affiliated with other banks in any state outside of Florida.

American National Bank observes the standard holiday schedule of the Federal Reserve Board. Click here to view the Federal Reserve Board holiday schedule.

Deposits made by 6pm will be processed the same day.

The minimum amount is $100.

The minimum amount is $1,000.

10 Calendar Days.

Yes, ensure you are covered in the event your account becomes overdrawn and avoid bounced checks and overdraft fees. Our Overdraft Protection service automatically transfers the necessary funds from a linked account.

The maximum amount is $2,500.

The service is limited to consumers. Businesses may use Cash Management for similar transfers. Contact a Personal Banker to enroll in our ACH Origination service.

Before you schedule your first transfer, the system will send two small deposits to the external bank account which you must verify before regular transfers can be initiated.

To verify the amounts, log into your external account, note the verification amounts, then log into your ANB account and enter the amounts in the Enrolled Accounts tab within Bank2Bank Transfers. Once you have done so, the account will display a “Verified” status and you may then schedule transfers.

You have five calendar days after you first enroll your external account to look for the test deposits and enter it into the ANB system to confirm the enrollment. If you are unable to verify within five days, simply re-enroll your account to restart the process.

If the transfer request is completed before 1:30 p.m. Eastern Time on a business day, the funds should post the next business day. For transfers created after 1:30 p.m., look for the funds to arrive in two business days.

You can schedule recurring transfers or single transfers with a future date. These transfers will count toward your daily limits on the day the transfer is scheduled to occur. If you schedule a future outgoing transfer and available funds on that date are less than the transfer amount requested, the transfer will be rejected and you will need to resubmit if for that occurrence.

NOTE: If you schedule an incoming transfer for which the amount exceeds the available balance in the external account, that financial institution may charge you fees related to insufficient funds.

You can enroll up to 5 external accounts. You have a daily transfer limit of up to 5 incoming and 5 outgoing transfers each, with a daily total of $5,000 for incoming transfers and $1,000 for outgoing transfers.

Be aware that any transfers from a Savings or Money Market account within online banking count toward the limit of six per month or statement cycle. Exceeding that limit requires us to charge you for each transaction beyond the limit. If you exceed the limit regularly, regulations require us to close the account or convert it to a regular checking account.

Our dedicated drivers travel to your business location to pick up your deposits and transport them safely and securely to the bank. The service allows you to do your banking without leaving your office.

Our drivers are bonded, insured, and carry a cellular phone. The vehicle is unmarked, fully alarmed, has power locks, and secure courier bags.

We provide flexible and reliable scheduling to meet your banking needs.

Please speak to a Personal Banker to determine the cost for your business or contact us.

Please contact a Personal Banker at (954) 491-7788 or utilize our Customer Contact Form.

Remote Deposit Capture is a service that allows your business to scan checks and transmit the scanned images to the bank for posting and clearing. Checks you receive at your business are scanned by you to create a digital deposit. This digital deposit is transmitted to us over a secure Internet connection. We then post the deposit to your account during the nightly update.

Convenience – you never need to leave your business

Reduced costs – save time and money driving to the Bank

Easy and Secure – all transactions travel securely over the Internet and there is no software to maintain

Efficient – checks can be scanned anytime, day or night, and deposits submitted by 6pm will be included with the current day’s business

Online reporting tools allow you to monitor deposits, view reports of your deposit amounts and activity, and view check images

Consolidate your banking relationships for all your locations with American National Bank.

You need at least one demand deposit or commercial checking account with the Bank for the purpose of providing available funds and for deposit of received funds in connection with the use of the Services

You will need a Windows-based PC.

You can utilize your existing scanner as long as it is one of the certified scanners for use with our system. Click here to see a list of certified scanners.

You can scan just about any type of check including corporate checks, consumer checks, cashiers checks, third-party checks, traveler’s checks and money orders. However the check must be drawn on a US bank.

You must keep the scanned checks in a secure place and then destroy them after 60 days.

The process is similar to today. The Bank will notify you if a check is returned and give you the option to resubmit the check or get a new check from your customer. If you wish to resubmit the check, the Bank will resubmit the check for you as you can only scan a check for deposit one time.

If you complete your deposit by 6pm ET (Monday through Friday, bank holidays excluded) the checks will be deposited into your account that night.

Remote Deposit Capture cannot process cash. You can bring your cash to the bank for deposit, or you can request pickup by our courier service (may involve an additional charge).

Please speak to a customer service representative to determine the cost for your business.

Contact Customer Service at (954) 491-7788 or utilize our Customer Contact Form.

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