Choose the Right Bank & Debit Card

Before choosing a bank for your personal checking account, it is important to know the benefits that they provide. When it comes to technology and debit cards, there are no one size fits all option. Be sure to look for the features that work for you and your daily life. As the world grows increasingly cashless, it is more important than ever before to have a bank that you can rely on. Here are some common and some less obvious things to look for when choosing a new bank.

Online Banking

In today’s technology-driven world, it is imperative that your personal checking account has online banking capabilities. With online banking and bill pay, you can manage your accounts from anywhere. You will be able to view account balances, deposits, and other transactions as well as transfer funds to another account or even another bank. Thanks to the immediate nature of online banking, you will be able to initiate or stop payments, pay and receive bills, and view your statements. Stay alert of any changes to your account thanks to customizable alerts and the ability to send a secure message or initiate a chat in our bill pay system.

Card Management App

With a card management app, you can control how, where, and when your debit card is used. Card management apps enable you to protect against fraud while setting up a variety of customized controls and alerts. You will be able to remotely turn the card on and off in case of it being lost or stolen. Your card management app will enable you to set spending limits based on values such as dollar amount, transaction type, or merchant type. Be sure to receive alerts on all declined transaction attempts, set instant alerts on specific locations, or even set location boundaries or parental/employer controls.

Same Day Card

Your checking account is central to your financial life so once it's set up, it's understandable you want to begin using it right away. Most banks do not have the ability to reissue a new debit card the same day in the branch. However, when you are in a pinch, it can be difficult waiting days or weeks on end without a card. 

At American National Bank, when you lose your debit card, you can get a new one reissued that very same day so you don’t have to put your life on pause. 

Mobile Payments

With people so attached to their devices, mobile payments continue to be a popular option and a convenient way to pay. Make sure your bank’s debit card works with popular mobile payment providers like Apple Pay, Samsung Pay, or Google Wallet. That way you can carry around less items while still having access to your money.

ATM Access

The number of fees that are charged for accessing your own money have certainly grown. Look for a bank that offers easy ATM access without a lot of fees. After all, not every bank is everywhere! With a personal checking account that also offers waivers of ATM fees when using other banks’ ATMs, you can trust it won’t always cost you money to access your money!

Conclusion

Contact American National Bank & Trust Company today to open your new personal checking account. With a debit card from American National Bank, you will be able to immediately access, set up, and use your debit card the same day! At American National Bank, we offer a few checking account options because we understand one size does not fit all.

Check out the options that we have and open a checking account online - instantly! It’s that easy.