Mobile Banking Frequently Asked Questions
If you downloaded our Mobile Banking app prior to December 1, 2014, click here to upgrade to our new and improved app.
Q: What is Mobile Banking?
A: Mobile Banking allows you to access all accounts available via American National’s Online Banking from your mobile device.
Q: How do I enroll in Mobile Banking?
A: Select the type of Mobile Banking access you would like enrollment instructions for below:
Q: Since there is more than one way to access Mobile Banking, how do I determine which one is right for me?
A: American National offers three ways to access Mobile Banking and while more than one option may be compatible with your device, we recommend the following:
- Mobile App: Perfect for iPhone®, iPad® and Android™ users.
- Mobile Web: Ideal for those accessing Mobile Banking through a mobile browser. This option works well for Blackberry®, Palm®, and other non-app based smartphones.
- Mobile Text Banking: No smartphone? No problem. Mobile Text Banking allows access to your account through any mobile phone with texting capability.
Q: Which mobile devices does Mobile Banking work on?
A: Mobile Banking works on most major devices, including:
- Android (App and Mobile Web)
- iPhone (App and Mobile Web)
- iPad (App and Mobile Web)
- BlackBerry (Mobile Web)
- Windows Phone (Mobile Web)
Mobile Web works on any smartphone with a mobile browser.
Text Banking works on any phone with text/SMS capabilities.
Q: Is there a charge to use Mobile Banking?
A: American National offers Mobile Banking at no charge to all customers actively enrolled in Online Banking. However, your mobile service provider may charge for data and text message usage. Check with your service provider for complete details.
Q: I am not enrolled in Online Banking. Can I still enroll in Mobile Banking?
A: Mobile Banking is an extension of American National’s Online Banking service, so you must be enrolled in Online Banking to access your accounts via Mobile Banking. To enroll in Online Banking, click here.
Q: What accounts can I access through Mobile Banking?
A: You can access all accounts available through your traditional Online Banking log-in.
Q: Through Mobile Banking, what type of functions can I perform from my mobile device?
A: With Mobile Banking you can:
- View account balances, alerts, and transactions
- Locate American National branches and ATMs
- Transfer funds between accounts* and schedule future-dated transfers
- Pay bills to existing payees* and schedule future-dated payments***
- Pay people** and schedule future-dated payments
Plus, Online Banking Cash Management customers can approve and release ACH and Wire transactions through Mobile Banking.
* Not available via Mobile Text Banking.
Q: Is Mobile Banking access available for business accounts?
A: Yes, Mobile Banking can be used to access all accounts currently available through Online Banking for both business and personal customers. Additionally, business customers who are enrolled in Online Cash Management are able to approve and release ACH and Wire transactions through their Mobile Banking access.
Q: I would like to discontinue Mobile Banking access. What steps do I need to take?
A: To discontinue Mobile Banking access, login to American National Online Banking, then:
1. Select Personal Settings
2. Select Mobile Settings
3. Select Web Mobile Settings or Text Mobile Settings
4. Deselect Enable web (or text) access for your mobile device
5. Click Submit.
6. Click Confirm.
Q: What happens if I lose my mobile device?
A: Since account data is not stored on your mobile device, your information cannot be stolen. When you replace your device, login to Online Banking, select “Mobile Settings” and make any needed changes to the mobile device wireless provider and/or phone number.
Q: Which Bill Pay functions can I use via Mobile Banking?
A: You can view and pay all payees in Mobile Banking that you have set up through Online Banking. You can also schedule future-dated payments.
Q: Can I add a new Bill Pay payee through Mobile Banking?
A: No, you cannot add a new Bill Pay payee through Mobile Banking. However, you can send payments to any payees established through your traditional access to Online Banking.
Q: How do I know if my transfer or bill payment was entered successfully?
A: If you chose to receive text alerts, each time you make a transfer or bill payment, a confirmation SMS text message will be sent to your mobile device. If you do not receive a confirmation text message, you can verify the transaction via your traditional access to Online Banking.
Q: What if I lose communication/signal during a transaction (such as transferring funds or making a bill payment)?
A: If you chose to receive text alerts, an SMS text message confirming the transaction will be sent to your phone verifying the transaction was successfully completed. If you do not receive this message due to a dropped call or lost signal, check your account and re-submit the transaction if needed.
Q: Can I search for a specific transaction using Mobile Banking?
A: You can view your transaction history via Mobile Banking; however, there is no “search” tool within the Mobile Banking.
Q: Can I delete a bill payment that was set up through my mobile device?
A: To delete a bill payment, login to your traditional Online Banking account and delete the payment from the main menu of the Bill Pay module.
Q: When I attempt to enter a dollar amount for a bill payment or transfer, only alpha characters (letters) appear. Why?
A: The mobile device’s settings may be set to the “alpha-only” function. Check the settings on your device and adjust as needed.
Q: I have followed the enrollment instructions for my device, but I cannot successfully access my account(s) via Mobile Banking. How should I proceed?
A: To use Mobile Banking, your device must be web enabled* and your mobile network must offer a secure connection. If you are unable to successfully launch Mobile Banking, you can call our eBanking Department at 1.800.240.8190.
* An Internet connection is not required for Mobile Text Banking users.
Q: I have Mobile Banking, but plan on getting a new mobile phone. What steps do I need to take to continue my mobile access?
- If you access Mobile Banking via the Mobile Web and/or Mobile Text Banking and are retaining the same phone number and mobile device wireless service provider, your Mobile Banking access will continue without disruption.
- If you access Mobile Banking via the Mobile App and are continuing to use an iPhone, iPad or Android device and will be retaining the same phone number and wireless service provider, simply install the Mobile App on the new device.
If you switch wireless providers and/or phone numbers, login to Online Banking via the Internet, select "Options," then "Mobile Settings" and update your information as needed. If you have chosen to receive text alerts, they will not successfully process if your phone number is not correct.
** In order to use P2P in the mobile app, the user must have at least one payee established in Bill Pay through Online Banking. If no payee is established, the P2P icon will not be visible in the mobile app.
*** Customers must be enrolled in our Bill Pay services through Online Banking to be eligible for this service.
iPhone® and iPad® are registered trademarks of Apple, Inc. Android TM is a trademark of Google, Inc. Blackberry® is a registered trademark of Research In Motion Limited.
American National Bank and Trust Company does not charge fees to download or use the American National Mobile Banking app or American National Mobile Web. Your mobile service provider may charge for data and text message usage. Check with your service provider for complete details.