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FAQs

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 Card Management in online banking or on our mobile 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 Card Management tab in Online Banking. 
Please contact us immediately at 800-240-8190 (prompt 3 for debit cards) to initiate the dispute. You should also turn your card “off” in Card Management in online banking or app.
You can order checks through our online banking platform. Within the Online Banking tab, select your checking account, then click "Check Ordering" and confirm  your routing number and account number are correct. 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. 
You can find pertinent information about our digital upgrade here.
  • We recommend downloading the current version of Google Chrome, Microsoft Edge, Firefox, or Safari*. 
  • Microsoft Internet Explorer is not a supported browser and you may be denied access to the platform.
  • To download the latest browsers, click the links below:
*Safari is not available for Windows access. To find out more information, visit: https://support.apple.com/en-us/HT204416
To self reset your password, you can do this within online banking by completing the information at this link.

Two-Factor Authentication (2FA) is a security feature that helps safeguard your account information when users provide two distinct form of identification. To implement 2FA, you will need to enroll a phone number (mobile or landline). Once this information is entered, you’ll choose one of three options to receive a one-time verification code:

1. Text message to the mobile phone entered,

2. Automated phone call to phone number entered, or

3. Authenticator App (download the Authy app here).

** If you are banking from outside the USA, you will be required to download Authy or another 3rd party authentication app in order to receive a text verification code.

After entering the verification code, if you are logging in from a secure computer, you have the option to select “Don’t ask for code again on this computer.” This allows you to avoid having to enter a verification code during each login. This option should never be selected on a shared or public computer.
Yes! Bill Pay allows you to pay virtually anyone or any company through our online and mobile banking platforms. No need to buy stamps or write checks - it's safe, secure, and easy! Learn more about Bill Pay and how to set it up here.
Send us a message! Messages is a feature within online banking and our mobile app that allows you to send details about transactions directly from your transaction list to our American National Customer Support Team. It's quick, easy, and secure. Learn more about Messages and how to use it here.
  • For internal transfers between American National accounts, click the Transfer button on your dashboard and choose which account you'd like to move funds FROM and which account you like the funds to go TO. Then choose the amount you'd like to transfer and click Submit. You can also set up recurring transfers. NOTE: Transfers made before 11:00pm EST will process immediately. Transfers made after 11:00pm EST will process the next business day.
  • For transfers from an American National account to an external bank account, click "Transfers" in the dropdown menu. Then add an external transfer account by entering the Routing Number, Account Number, and Account Type. You can also schedule external transfers. NOTE: There is a $1 fee to transfer funds to an external bank account.
Yes! You can set up alerts regarding you account balance, transactions, usage, and bill pay. When you set up Alerts, you will receive a notification via email, text, or within our app. Learn more about Account Alerts and how to set them up here.
We offer a comprehensive line of digital banking solutions that make it easier than ever to manage your money, and most are found directly within your online or mobile banking platform. Learn about all of our digital banking solutions here.
App users must first enroll in online banking. Then search for "AMNB" in your devices store or find our app through this link to the Apple 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. 
Yes. Once you've logged in for the first time and set up your Two Factor Authentication, you can then set up up Face ID or thumbprint to login.

Two-Factor Authentication (2FA) is a security feature that helps safeguard your account information when users provide two distinct form of identification. To implement 2FA, you will need to enroll a phone number (mobile or landline). Once this information is entered, you’ll choose one of three options to receive a one-time verification code:

1. Text message to the mobile phone entered,

2. Automated phone call to phone number entered, or

3. Authenticator App (download the Authy app here).

** If you are banking from outside the USA, you will be required to download Authy or another 3rd party authentication app in order to receive a text verification code.

After entering the verification code, if you are logging in from a secure computer, you have the option to select “Don’t ask for code again on this computer.” This allows you to avoid having to enter a verification code during each login. This option should never be selected on a shared or public computer.

Yes, the first time you login to each new device, you will be prompted for 2FA. You will not be able to reuse a PIN established for another device.

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. 

Still need help? Submit your question through this link.