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Important message from American National Bank regarding COVID-19 preparedness

To Our Valued Clients,

Our branch lobbies are closed to unscheduled walk-in traffic.

Services will be fully available via our mobile and online platforms, as well as from our drive-thru windows, ITMs, and ATMs. Please check the ‘Locations’ tab for access points nearest to you.

We want to assure you of the following as it relates to the continuity of our business operations:

  • American National Bank has been, and will continue to, actively monitor developments regarding the potential spread, and impact of the coronavirus with guidance from relevant authorities, including the Centers for Disease Control and Prevention (CDC), World Health Organization and U.S., state and local government entities. We feel it is imperative to limit face-to-face interaction until we have assurances from our local health departments that the virus is contained with no further risk of community-related spread.
  • American National Bank’s Business Continuity Planning Program was successfully deployed several weeks ago with protocols that are active and reliable.
  • American National Bank remains committed to providing the highest level of service with multiple layers of protection for our most important assets: our people, information security and cash flow.

We are here to help you:

  • In the event you need to meet in person, we invite you to contact your local branch or banker or click here to make an appointment. We request that you follow the CDC guidelines of self-screening to personally evaluate yourself to determine if you could be at risk by exhibiting any of the symptoms related to the virus. Visit www.cdc.gov for more information. 
  • If you are experiencing a hardship or have a different need, please call 1-800-279-0007 to speak with a customer service representative.
  • Contact our Customer Service representatives with any questions at 1-800-279-0007, M-F: 7am-7pm, Sat: 8am-1pm
  • If you are a business or commercial client, please reach out to your Relationship Manager
  • To protect yourself against any COVID related scams, please look out for any suspicious activity from emails, texts and phone calls that may impersonate a company, charity or government agency. Never share sensitive information and do not click on links or open attachments as they may be malicious. For more information go to: https://www.us-cert.gov/ncas/current-activity/2020/03/06/defending-against-covid-19-cyber-scams

American National Bank thanks you for your understanding and patience during this unprecedented time. We appreciate the trust you place in us and want you to know that the health and safety of our clients and employees is our top priority. We view the implementation of this change in access as part of our contribution to maintaining a strong and healthy community.


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American National Bank

5 Questions to Ask When Deciding to Remodel or Resell

Oct, 24, 2019

Remodeling is costly and doesn’t always have the return on investment homeowners expect. Mortgage expert David Wetig shares his tips for deciding whether you should renovate or start over and move somewhere new.

Five questions someone should ask themselves before making the decision to invest money into remodeling their residence or making the choice to purchase a different home:

  1. What is the purpose of remodeling?  Is it to increase the value of the home, or because it’s not functioning in a way to meet your needs, or maybe you think it’s dated and needs a current look? There are numerous reasons why someone would pursue a remodel but you should understand why you’re making the investment.
  2. How long do you plan to stay in the home? If you plan to sell soon, you may want to minimize the costs and only spend what’s needed for preparing the home to go on the market. It’s highly unlikely you’ll get a 100% return on your investment. However, if you have no plans to ever sell, then feel free to invest what you feel is necessary to make the home fit your needs and tastes.
  3. How much do I have available to spend?  Know how much you can spend. Set a budget for yourself and stick to it. Ideally, if you anticipate renovations you would like to do in the future, do the research ahead of time to know the approximate costs and then plan your savings strategy accordingly.  Also, consider if there are things you can salvage in order to reduce the costs. For instance, you might be able to repaint your kitchen cabinets to freshen up the room instead of replacing them.
  4. Are there any parts of the renovation project you can realistically do yourself? Labor costs significantly impact the cost of any remodel or renovation project. If there are certain parts of the project that you can complete yourself, it can be a tremendous savings. Be honest with yourself, though, if it’s outside your area of expertise, have it professionally done. It’s more important that it’s done right than to end up spending money later to have someone fix your work.
  5. How emotionally invested are you in your current home? The idea of buying a move-in-ready home with the features you want and need could end up being a better financial decision versus the cost of renovating your current home, however, you may have developed a lot of great memories in your home. Maybe you raised your kids there, maybe the neighborhood is a great fit and provides easy access to other amenities, or maybe you’ve developed great friendships. Is the thought of starting over someplace new worth the financial effort?

Ultimately, the decision to remodel your current residence or to buy a new home is a personal decision based on your current circumstances.  You should weigh the pros and cons of both and think about not only the short term gain of remodeling or moving, but also whether you have a long term vision of where you eventually see yourself.

To read David Wetig's full article with Strictly Business, click here