Q. What is ANB Online?
A. ANB Online Banking allows our customers convenient access to their accounts via the Internet in a secured environment. Any PC with Internet access can directly link you to your American National Bank accounts!
· Basic Online Banking is Free
· Pay Bills Online is Free
· Check Balances
· Transfer Funds
· Make Loan Payments
· View and Print Daily Account Activity
· Download to Personal Financial Software
(restrictions apply)
Q. Do I have to apply to use ANB Online Banking?
A. Yes, an application is required to sign up for ANB Online Banking for each person who wants access to their account. Upon receipt of the application, a User ID number will be assigned and a letter with login instructions will be forwarded once the application is processed. Upon initial login you will be required to select a PIN of your choice.
Q. Can Businesses apply for Online Banking?
A. To apply for our Business Online Banking service, please complete the business application and submit online. Upon receipt of your information, an ANB Officer will contact you within three (3) business days to determine the options best suited to meet the needs of your business and assist you in completing required documents.
Q. How do I use ANB Online Banking?
A. Click on the Online Banking link, at the login page and enter your User ID and PIN number. You will be shown a list of your accounts and the balance in each. From the pull down menu select the function for the account you are interested in and press the "GO" button. Any additional pages will have action buttons that will lead you through your transaction.
Q. What if one of my accounts does not appear on my account list?
A. You must be a sole or joint owner on an account to have it added to your profile. If an account falls in this category and is not shown on your listing, simply call customer service center at 800-837-6584 Mon. - Thur. 8 - 5, Friday 8 - 6 and Saturday 9 - 12 for further assistance.
Q. What happens if I open a new account after I am already signed up for ANB Online Banking?
A. New accounts do not automatically appear on the ANB Online Banking system. Simply call our customer service center at 800-837-6584 Mon. - Thur. 8 - 5, Friday 8 - 6 and Saturday 9 - 12 and ask to have the account added to your profile. You must be sole or joint owner of the account to have it added to your profile.
Q. Can I change my User ID and or PIN number?
A. Yes, under the Home Banking section simply click on the management drop down to access the Account Management page. On this page you can control and create such items as:
· Change Pin - You may change your pin number.
· Change User ID - You may create your own User ID.
· Reset Login Count - To keep a closer watch on the
security of your accounts, you may wish to set your login
count back to zero periodically.
· Change Pseudo Account Name - You may create your
own names for your bank accounts.
· Display Options - You can choose how many of your
accounts that you would like displayed at a time.
· Change Your Cash Management Password - You may
change your cash management password at any time.
Q. What if I forget my PIN?
A. For security purposes, three consecutive invalid login attempts will "lock" you out of the system. Please call our customer service center at 800-837-6584 Mon. - Thur. 8 - 5, Friday 8 - 6 and Saturday 9 - 12 to have your account "unlocked”.
Q. What if I get an error message?
A. If you get an error message, please make a note of the message, the error number, and the time. Then call the bank at 800-837-6584 Mon. - Thur. 8 - 5, Friday 8 - 6 and Saturday 9 - 12 to report the error message. We will make every effort to resolve the issue as soon as possible.
Q. What does it mean when I get a BLANK screen and cannot login?
A. ANB Online requires 128-bit encryption (a high level of coding for security purposes). If your computer browser does not have this level of encryption, a blank screen will be displayed. At the very top of the screen you may see a message displaying the need of 128-bit encryption and JavaScript.
Q. How can you secure my banking information?
A. We have extremely high criteria for security of your online banking information. A few of these are listed below:
· Your banking information never travels the Internet
without encryption protection.
· Login sessions have a time-out limit and after the limit is
reached you are required to login again.
· PIN guessing is deterred and reported.
Q. How do I know if my Internet browser has the right level of security and encryption for ANB Online?
A. You can Test Your Browser Here to check the level of your encryption. If an update is required you will be given further instructions.
Q. Why can’t I transfer funds online between my corporate and personal accounts?
A. Banks are required to limit potential liability with respect to funds being improperly moved from corporate accounts to personal accounts. A check being written from the corporation by an authorized signer, to a specific payee, provides a paper trail that can be used if, at any future date, there is any question as to why corporate funds were moved to a personal account. This applies to Corporations, Limited Liability Companies (LLC), and partnerships. However, those customers with Sole Proprietorships will continue to have the ability to transfer funds between their business and personal accounts.
Q. How does ANB Online Bill Payment feature work?
A. Bill Pay allows you to pay all of your bills at your convenience from any PC connected to the Internet.
Q. Are there fees associated with Online Bill Pay?
A. Consumer Bill Pay service is free with unlimited check writing. * Fee subject to change
Q. How do I sign up for Online Bill Pay?
A. If you are a current ANB Online user, simply contact our customer service center during regular banking hours at 800-837-6584 for assistance. Current ANB customers not enrolled in either service are welcome to complete and submit our Online Application or stop by one of our convenient locations.
Q. How do customers’ accounts get charged for online bill payments?
A. Check payments are encoded with the customers account number and a sequential check number beginning at 1000000001 is encoded on the check. These checks clear against the customers account as if they had written a check from their own checkbook. The signature line on the check will be printed with "Signature on File". Electronic payments are verified for availability of funds during the noon processing. The customers’ account is debited for the payment if the funds are available.
Q. How do customers establish electronic payments?
A. Select the Add New Payee from the Bill Payment drop down menu. To set up an electronic payee, click on the binoculars. Select the first letter of the payee name from the alphabet list or type in the payee name. Click on the Help link for further information.
Q. When are transactions (payments) processed?
A. Payments are processed each day Monday through Friday (excluding holidays) at 12:00 noon Central Time. Any payments issued via check will be printed and mailed (postal) the same day if entered up to 12:00 noon Monday through Friday (excluding holidays and weekends). Electronic payments will be processed the same day if entered up to 12:00 noon Monday through Friday (excluding holidays).
Q. What is the lead-time for a payment to be made?
A. Since check payments entered before 12:00 noon CST Monday through Friday (excluding holidays) are mailed that day, sufficient time must be allowed for the post office to deliver the check. Please allow 5-7 days (excluding grace period, holidays or weekends) for paper check payments. Allow 3-4 days (excluding grace period, holidays or weekends) for electronic payments. If a scheduled payment falls on a weekend it will be processed on Monday (except holidays). New payments scheduled during the weekend will be processed on Monday (except holidays). All payments scheduled for a holiday will be processed the day after the holiday. Helpful Hint: To see how Bill Pay works you may want to send a payment to yourself. This will allow you to see what the check looks like and verify all of the information on the check, such as your name, address, and account number.
Q. Why are there two lines for one of my payments?
A. If you setup your payee’s with the information on your bill, it may not be the correct address for electronic payments. Our Bill Pay provider may substitute addresses when it transmits the payments. If this occurs an additional line will be on your Schedule.
Q. Why do I have two sets of passwords?
A. The Cash Management product allows for you to set up separate ID’s and PIN’s for all your employees. Each company will have an ANB Online ID and PIN and then each employee will have their own ID and PIN. When setting up your employees, you can also specify which of your accounts the employee has access to.
Q. Who do I call with questions?
A. Call our customer service center at 800-837-6584, Mon. - Thur. 8-5, Friday 8-6 and Saturday 9-12.
