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American National offers a number of services that are designed to work with your primary banking accounts to both enhance and streamline your banking experience with us. Our services include:

Online Services

Think you have to compromise online services when you choose a community bank? Think again. American National offers robust Online Banking and Bill Pay services that will let you bank from your home, office or any location with Internet access.

With Online Banking, you can:

  • Order checks
  • Stop payments
  • View account balances
  • Verify deposits
  • Verify debits and credits posted to your account
  • Sign up for eStatements
  • Transfer between American National accounts

Add the convenience of Online Bill Pay, and you can:

  • Pay bills
  • Establish ebills

Sign up for Online Banking and Bill Pay today.

Mobile Banking and Mobile Deposit

Your Smartphone Just Got Smarter

Enjoy the convenience of banking on the go with American National Mobile Banking. With three different mobile solutions to choose from, you are sure to find one that suits your needs and works with your mobile device.





Compare Mobile Banking Solutions:


For iPhone®, iPad® and





For any phone with an Internet browser
(including Blackberry




No smartphone required




Check account balances





View transactions




Transfer funds between eligible accounts




Set future-dated transfers YES    
Pay bills




Set future-dated payments YES    
Find American National branches and ATMs





Available at no charge**




To get started

Learn more


Learn more


Learn more



Mobile Banking is available for Online Banking users with a supported mobile device. Once enrolled, the functionality indicated above will be available for all accounts you currently access through American National’s Online Banking service.

View a list of Frequently Asked Questions.

If you would like to enroll in Mobile Deposit, click here. For new customers, Mobile Deposit is available 60 days from the date of account opening if you demonstrate financial responsibility, which means that your account must be in good standing for 60 days from account opening, you must maintain a positive balance, you must be making regular deposits, you must demonstrate normal activity patterns including the ability to repay, and no unusual, fraudulent, or suspicious activity may be present.  

iPhone® and iPad® are registered trademarks of Apple, Inc. AndroidTM 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.


Apple Pay

American National now offers one of the newest and most innovative payment services available, Apple PayTM.

With Apple Pay, you can conveniently make purchases using select iPhone®, iPad and Apple Watch™ devices. It's the easy, secure and private way to pay with a simple touch.

Apple Pay can be used on the following devices:


In Apps

In Stores

iPhone 6s and newer





Apple Watch®
Paired with iPhone 6 and newer




iPad Pro, iPad Air 2, iPad mini 3 and newer




Setting up and using Apple Pay is easy:
Step 1 - For iPhone users, launch the Wallet app (formerly Passbook®) and tap the plus sign.

For iPad users, launch the Settings app, tap “Wallet & Apple Pay,” then tap “Add Credit or Debit Card.”

For Apple Watch users, open the Apple Watch app on your iPhone, tap “Wallet & Apple Pay,” then tap “Add Credit or Debit Card.”

Step 2 – Follow the on-screen prompts to complete your card set-up. To avoid Apple Pay enrollment issues, make sure the personal information (name, physical address, etc.) in your iTunes account matches the information that American National has on file.

Note:  For iPhone devices, if you have not done so already, you will be prompted to set up your Touch ID and Passcode. Apple Pay will only work when these features are enabled.

Step 3 – Look for the Apple Pay symbol and pay for purchases by holding your iPhone or Apple Watch near the merchant’s card reader. Authorize payment on your iPhone by using your finger on Touch ID™. With Apple Watch, double click the side button.

Apple Pay

*American National’s debit cards for personal banking checking accounts are eligible for Apple Pay. Business banking debit cards are not eligible at this time.

A Safe, Private Way to Pay

Apple Pay is arguably as safe, if not safer, than using your physical debit or credit card because you are not sharing your actual account number and your card numbers are not stored on your device. Instead, a unique Device Account Number is assigned, encrypted and securely stored in the Secure Element, a dedicated chip in iPhone, iPad and Apple Watch. When you make a purchase, the Device Account Number, along with a transaction-specific dynamic security code, is used to process your payment. Your actual credit or debit card numbers are never shared by Apple with merchants or transmitted with payment.

Access All Your Cards in a Touch

While we hope your American National debit card is your go-to payment method, you can store and access multiple debit and credit cards within your Apple Pay wallet.

To learn more about Apple Pay, including viewing demos, visit

View our Apple Pay Terms and Conditions.

Apple, the Apple logo, iPhone, iPad and iTunes are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay, Touch ID and Apple Watch are trademarks of Apple Inc.

Rapid Deposit ATMs

With American National Rapid Deposit ATMs, you can now deposit cash (NO COINS) and checks quickly and conveniently from any of our deposit-taking ATM locations. Deposit up to 30 checks and 50 currency notes per transaction, with no envelope or deposit ticket needed. You simply insert your cash or checks directly into the deposit slots, verify the amount of the deposit and take the receipt, which shows you exactly how much you deposited.

All deposits made Monday - Friday before 5 p.m. are available the next day.*

Rapid Deposit ATM Locations
Frequently Asked Questions

 *Excludes federal holidays. Deposits made on Saturday, Sunday and federal holidays will be posted after 5 p.m. on the next business day, and funds are available the next day thereafter. See the Funds Availability Policy for complete details.

Telephone Banking


Use your account number and PIN to:

  • Check account balances
  • Request stop payments
  • Verify deposits
  • Verify debits posted to your account
  • Transfer funds
  • Make loan payments


Make the switch to American National eStatements and you will enjoy:

  • Earlier access to information. Receive access to your statement the day after your statement cycle ends.
  • Increased protection. You will receive an email directing you to a secure website to access your statement, eliminating the possibility of someone stealing your statement, and with it your personal account information, through the mail.

Enroll today.

Debit and ATM Cards

Go paperless with American National’s Visa® Debit Card. For your checking accounts, these cards allow 24/7 access to your funds. ATM cards are available for savings and money market accounts. Features include:

  • Individual PIN (personal identification number) to keep your funds safe and secure
  • Unlimited transactions at American National ATMs
  • Worldwide acceptance—anywhere Visa® is accepted (for checking accounts; only ATM cards are available for savings and money market accounts)

Instant Issue Debit Cards

In today’s world, you expect immediate solutions. We do, too. That’s why we offer Instant Issue Debit Cards at most of our banking offices.* Just walk in, open an account or request a new debit card, and walk out with the new debit card in-hand…instantly! No more waiting to receive a card in the mail; no more inconvenience, having to carry cash or checks until a replacement or new debit card is received.

Enjoy these benefits...

  • Receive a debit card the day you open a new account.
  • Replace a lost or stolen debit card with one visit to your nearest banking office.*

*Excludes the Village at Brookwood location in Burlington, N.C.

Some fees and conditions may apply. Instant Issue only applies to in-office visits. American National does not mail Instant Issue Debit Cards, nor do we prepare them in advance of the customer’s in-office visit.

Credit Cards

With our Visa Platinum credit card, you get hometown convenience, worldwide acceptance, great benefits and much more.

Apply Today

American National Bank Online Banking