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.

ATM/Debit Cards

Is there a charge for an ATM/Debit card?
Is there a charge for an ATM/Debit card? - Hide

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

Can I choose my own PIN?
Can I choose my own PIN? - Hide

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

How do I apply for an ATM/Debit card?
How do I apply for an ATM/Debit card? - Hide

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

Who do I contact if I need help with my ATM/Debit card?
Who do I contact if I need help with my ATM/Debit card? - Hide

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

Where can I use my ATM/Debit card?
Where can I use my ATM/Debit card? - Hide

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

Is there a charge for me to use an ATM/Debit card?
Is there a charge for me to use an ATM/Debit card? - Hide
  • 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
Should I press "DEBIT" or "CREDIT" when using my Debit Card?
Should I press "DEBIT" or "CREDIT" when using my Debit Card? - Hide

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.

What do I do if I see an unauthorized transaction on my statement?
What do I do if I see an unauthorized transaction on my statement? - Hide

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. 

What do I do if my ATM/Debit card is lost or stolen?
What do I do if my ATM/Debit card is lost or stolen? - Hide
  • 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 www.americannationalbank.com
      • 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 1
Whom can I contact if I have any other questions or comments?
Whom can I contact if I have any other questions or comments? - Hide

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.

May I download information to financial management software (i.e. QuickBooks or Microsoft Money ®)?
May I download information to financial management software (i.e. QuickBooks or Microsoft Money ®)? - Hide

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. Speadsheet (CSV)
  7. Word Processing (TXT)

Bank2Bank Transfers

Are businesses allowed to enroll in Bank2Bank transfers?
Are businesses allowed to enroll in Bank2Bank transfers? - Hide

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.

Can I make a transfer immediately after enrollment?
Can I make a transfer immediately after enrollment? - Hide

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.

How long do I have to verify my external account?
How long do I have to verify my external account? - Hide

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.

How soon after my transfer is initiated will funds post to my account?
How soon after my transfer is initiated will funds post to my account? - Hide

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.

Can I schedule transfers to happen automatically or future date a transfer?
Can I schedule transfers to happen automatically or future date a transfer? - Hide

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.

Are there any limitations on the number of external accounts or the transfers I can perform?
Are there any limitations on the number of external accounts or the transfers I can perform? - Hide

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.

Courier Service

What is the courier service?
What is the courier service? - Hide

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.

How secure is the courier service?
How secure is the courier service? - Hide

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

How frequently can the courier come to my business?
How frequently can the courier come to my business? - Hide

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

How much does the courier service cost?
How much does the courier service cost? - Hide

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

How do I sign up for courier service?
How do I sign up for courier service? - Hide

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

Loans

What types of loans do you offer?
What types of loans do you offer? - Hide

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

Do you offer Student Loans?
Do you offer Student Loans? - Hide

No, we do not offer Student Loans.

Can I make my loan payments online?
Can I make my loan payments online? - Hide

Yes, loan payments can be made on line.

Where do I mail my loan payments?
Where do I mail my loan payments? - Hide

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

What address may I use for a loan payment through Fedex, DHL or UPS?
What address may I use for a loan payment through Fedex, DHL or UPS? - Hide

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

Who do I contact if I have questions about my loan?
Who do I contact if I have questions about my loan? - Hide

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

Online Banking - General

What do I need to sign up for Online Banking and Bill Payment?
What do I need to sign up for Online Banking and Bill Payment? - Hide

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.

What do I need to know about security?
What do I need to know about security? - Hide

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.

What is 128-bit encryption?
What is 128-bit encryption? - Hide

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.

What is the cost for Online Banking and Bill Payment?
What is the cost for Online Banking and Bill Payment? - Hide

Online Banking and Bill Payment is FREE!

How do I sign up for an Online Banking Account?
How do I sign up for an Online Banking Account? - Hide

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.
How do I access these services once I have signed up?
How do I access these services once I have signed up? - Hide

You may access Online Banking and Bill Payment through American National Bank's website at www.americannationalbank.com. 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.

What types of accounts can I view with Online Banking?
What types of accounts can I view with Online Banking? - Hide

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.

Can I access both personal and business accounts with Online Banking and Bill Payment?
Can I access both personal and business accounts with Online Banking and Bill Payment? - Hide

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

How often is my account information updated?
How often is my account information updated? - Hide

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.

Online Banking - Funds Transfers

Can I transfer money from one account to another?
Can I transfer money from one account to another? - Hide

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.

Can I transfer money between my personal and business accounts?
Can I transfer money between my personal and business accounts? - Hide

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

Can I stop or modify my request to transfer funds?
Can I stop or modify my request to transfer funds? - Hide

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.

Can I schedule recurring or future dated transfers?
Can I schedule recurring or future dated transfers? - Hide

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

Can I tell when a transfer has posted to my account?
Can I tell when a transfer has posted to my account? - Hide

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.

Online Banking - Bill Payment

How does American National Bank's Online Bill Payment service work?
How does American National Bank's Online Bill Payment service work? - Hide

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.

Are there any payments I cannot make using Online Bill Payment?
Are there any payments I cannot make using Online Bill Payment? - Hide

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

When should I setup my payments to make sure they are paid on time?
When should I setup my payments to make sure they are paid on time? - Hide

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."

How will I know what payments have been made?
How will I know what payments have been made? - Hide

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.

What if my payee says they have not received my payment?
What if my payee says they have not received my payment? - Hide

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.

If my payment due date falls on a Saturday, Sunday, or Holiday what should I do?
If my payment due date falls on a Saturday, Sunday, or Holiday what should I do? - Hide

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.

Do I need to contact my payees to tell them I am using American National Bank's Online Bill Payment service?
Do I need to contact my payees to tell them I am using American National Bank's Online Bill Payment service? - Hide

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

Can I place a stop payment on a bill payment that I have already setup?
Can I place a stop payment on a bill payment that I have already setup? - Hide

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 as disclosed in the current Miscellaneous Fee Schedule.

Should I enter my online bill payment in my paper check register?
Should I enter my online bill payment in my paper check register? - Hide

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

What happens if I do not have enough money in my account to cover the bill payment I have set up?
What happens if I do not have enough money in my account to cover the bill payment I have set up? - Hide

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.

Remote Deposit Capture

What is Remote Deposit Capture?
What is Remote Deposit Capture? - Hide

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.

What are the Benefits of Remote Deposit Capture?
What are the Benefits of Remote Deposit Capture? - Hide

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.

What do I need to do Remote Deposit Capture?
What do I need to do Remote Deposit Capture? - Hide

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.  Click here to view the minimum requirements ...

What if I already have my own scanner?
What if I already have my own scanner? - Hide

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 ...

What types of checks work with Remote Deposit Capture?
What types of checks work with Remote Deposit Capture? - Hide

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.

What do I do with the checks after I scan them?
What do I do with the checks after I scan them? - Hide

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

How are returned checks handled with Remote Deposit?
How are returned checks handled with Remote Deposit? - Hide

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.

How soon do the checks get deposited in my account once they are scanned?
How soon do the checks get deposited in my account once they are scanned? - Hide

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

What do I do with my cash?
What do I do with my cash? - Hide

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).

How much does Remote Deposit Capture cost?
How much does Remote Deposit Capture cost? - Hide

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

How do I get Remote Deposit Capture?
How do I get Remote Deposit Capture? - Hide

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

Statements

Can I choose the date my statement is generated?
Can I choose the date my statement is generated? - Hide

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

Can I get cleared checks returned to me?
Can I get cleared checks returned to me? - Hide

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

Can I view my statement online?
Can I view my statement online? - Hide

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

If I choose to view my statement online, can I choose not to receive paper statements?
If I choose to view my statement online, can I choose not to receive paper statements? - Hide

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.

How do I enroll in E-Statements or view my E-Statement?
How do I enroll in E-Statements or view my E-Statement? - Hide

Log in to your online banking account and click on the E-Docs tab to enroll in E-Statements.  If you need more information, click here to view the E-Statements User Guide.

Who do I contact if there is an error on my statement?
Who do I contact if there is an error on my statement? - Hide

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.

Telephone Banking

What number do I call to access Telephone Banking?
What number do I call to access Telephone Banking? - Hide

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

When is Telephone Banking available?
When is Telephone Banking available? - Hide

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

What information do I need to use Telephone Banking?
What information do I need to use Telephone Banking? - Hide

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.

What do I do if I forget my Telephone Banking PIN?
What do I do if I forget my Telephone Banking PIN? - Hide

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

What types of accounts can I access using Telephone Banking?
What types of accounts can I access using Telephone Banking? - Hide

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

What services are available using Telephone Banking?
What services are available using Telephone Banking? - Hide

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

General Questions

What type of bank is American National Bank and are you insured?
What type of bank is American National Bank and are you insured? - Hide

We are a national, FDIC insured bank.

Where is the bank located?
Where is the bank located? - Hide

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

What are the lobby and drive-thru window hours?
What are the lobby and drive-thru window hours? - Hide

Lobby: Monday thru Thursday 9am to 4pm - Fridays 9am to 6pm. Drive Thru: Monday thru Friday 8am to 6pm.

What is your telephone number and fax number?
What is your telephone number and fax number? - Hide

Main telephone number is (954) 491-7788. Customer Service fax number is (954) 491-2833.

How do I reorder personal checks online?
How do I reorder personal checks online? - Hide

You can reorder personal checks by clicking here ...

What geographic area does American National Bank serve?
What geographic area does American National Bank serve? - Hide

We serve the South Florida area consisting of Broward County, northern Miami Dade County, and southern Palm Beach County.

Does American National Bank serve other states like Texas or Ohio?
Does American National Bank serve other states like Texas or Ohio? - Hide

No, we are not affiliated with other banks in any state outside of Florida.

What holidays does American National Bank observe?
What holidays does American National Bank observe? - Hide

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

What is your deposit cut-off time?
What is your deposit cut-off time? - Hide

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

What is the minimum amount needed to open a checking or savings account?
What is the minimum amount needed to open a checking or savings account? - Hide

The minimum amount is $100.

What is the minimum amount needed to open a certificate of deposit?
What is the minimum amount needed to open a certificate of deposit? - Hide

The minimum amount is $1,000.

Do you sell series EE and I savings bonds and how can you purchase them?
Do you sell series EE and I savings bonds and how can you purchase them? - Hide

Yes, we sell both. If you are a customer you can purchase them with a cash or check. Non-customers must pay with cash.

Do you offer overdraft protection and how does it work?
Do you offer overdraft protection and how does it work? - Hide

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.

What is the maximum amount of cash a non-customer can receive on a check drawn on American National Bank?
What is the maximum amount of cash a non-customer can receive on a check drawn on American National Bank? - Hide

The maximum amount is $2,500.