Two women bankers discussing business


We're here to help. Find some common questions here.

We are here for all your banking questions.

If you don't see your question listed or need to discuss anything further, please contact your local branch or send us a message through the link below.

The routing number for American National Bank & Trust Company is 051401027
We operate unique locations based on the needs of each community. Visit our locations page for hours of the branch closest to you.
Please visit a branch to complete and sign a change of address form. If you have moved out of the area, please contact us to have a form mailed to you.
You can always contact any of our local branches if you suspect anything suspicious. If traveling or after hours, please contact our fraud number 1.800.237.8990. You may also turn off or disable your debit card through online banking or on the My Card Rules app. 
We have various size boxes available to our customers at each of our locations. The annual rental costs are as follows. Please contact your nearest branch for availability.
2×5 – $32.00
3×5 – $40.00
5×5 – $45.00
3×10 – $56.00
5×10 – $75.00
10×10 – $111.00
Generally, our policy allows you to withdraw funds deposited in your account on the first business day after the day we receive your deposit. Funds from electronic direct deposits will be available on the day we receive the deposit. In some cases, your ability to withdraw funds may be delayed beyond the first business day. Then, the funds will generally be available by the second business day after the day of the deposit.
Please contact us immediately by calling 1-800.240.8190 and select prompt 3 for debit cards. This can be reported 24/7. You may also mark it lost or stolen within the Personal Settings tab in Online Banking. Select ATM/Debit Card in the sub-menu and select the card that is lost.
Please contact us immediately at 800-240-8190 (prompt 3 for debit cards) to initiate the dispute. You should also turn your card “off” if you use the MyCardRules app.
Contact our credit card service partner 24/7 at 1-800-883-0131.
Call us at 1-800-240-8190, select the debit card prompt and follow the instructions provided to reset a PIN.
You can order checks through our online banking platform. Within the Online Banking tab, select Order Checks from the sub menu. If you are not an online banking customer, you may also call or visit your local branch.
YES! You can add our debit cards to your mobile wallet. It works with Apple Pay, Samsung Pay, and Google Pay. Learn about adding your card here. 
To self reset your password, you can do this within online banking by completing the information at this link.
App users must first enroll in online banking. Then search for American National Bank and Trust Company in your devices store or find our app through this link to the App Store and Google Play
For new customers, Mobile Deposit is available 60 days from the date of account opening if you demonstrate financial responsibility,
meaning your account must be in good standing for 60 days from account opening, maintained a positive balance, made regular deposits, and demonstrated normal activity patterns including the ability to repay, and no unusual, fraudulent, or suspicious activity may be present.
Mobile Deposits will generally be made available to you on the business day following the deposit date. Provisional credit is not granted for Mobile Deposits. Business day is every Monday through Friday, excluding federal holidays recognized by American National.
Yes. Mobile Deposit limits are:
  • Ten checks per day, or $10,000 per day; and
  • 30 checks per month, or $120,000 per month
Once a check has been credited to your account, mark the check as “Electronically Presented.” In case the actual check is needed to resolve any claims and aid in the clearing and collection process, you should retain the check for at least 60 calendar days after the date of the image transmission. After that 60-day period, you can properly dispose of the check.
YES! You can add our debit cards to your mobile wallet. It works with Apple Pay, Samsung Pay, and Google Pay. Learn about adding your card here. 
A trust is a fiduciary agreement between two parties, the person who creates the trust, the grantor and another party, the trustee. The trustee is given the right to manage property and/or assets for the benefit of a third party, the beneficiary. 
Trusts are often associated with wealth, but many other people should consider the benefits of a trust. When you set up a trust, you have more control over what happens to your assets and how they are distributed at the time of your passing. 
A will is a great first step with basic estate planning, as wills deal with many matters outside of your financial assets, like caring for loved ones and other important decisions. A trust is a fiduciary arrangement that can outline what to do with the assets in your estate at the time of your passing. Often, trusts can be executed outside of probate court and therefore, not subject to the costs and time frame of court. proceedings. Trusts can be used to transfer property, minimize estate taxes and preserve assets for minors until they are of a certain age.
A trustee should be able to act independently, putting aside any of their own interests. That's where American National Bank & Trust Company can help. As a corporate trustee, we provide professional fiduciary services according to established procedures in order to fairly and consistently manage one's assets. Unlike a relative or someone close to an estate, we remain unbiased in our actions and hold ourselves to very high standards.
Each trust is different and the costs can vary widely depending on the nature of your assets, the terms you want to establish, and other provisions. For most, any upfront costs are generally offset by the cost savings that are realized down the road with avoiding probate and a smoother transfer of assets.
After the trust is set up, an annual fee will be assessed to cover the cost of administering the trust.

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