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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 with the exception of select branches in the Southeast community. Please check our locations page for the latest updates.

Services will be fully available via our mobile and online platforms, as well as from our drive-thru windows, Teller Connect, 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 for more information. 
  • If you are experiencing a hardship or have a different need, please click here.
  • 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:

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

Cyber Fraud Scam Activity Occurring in 2019

Fraud Prevention: ACH and Check Transactions


Security of your information and assets is a top priority for American National Bank. One way to help protect your business from fraud is to understand the importance of a layered security approach. For example, in addition to using internal controls that follow standard accepted accounting principles, you can implement bank-provided services that can reduce the chance your accounts will be compromised. This document provides detailed information about further fraud protection options. To understand your potential fraud risk, take a moment to contact our experienced treasury team to review the fraud protection services and settings currently in place on each of your accounts.



  • Positive Pay systematically compares checks presented for payment to your issued-check files to detect serial numbers and dollar amounts that don't match. If there is an exception, the bank alerts authorized individuals in your organization and takes the pay/no pay depending on your direction
  • Maximum check limit allows you the option to set a standard dollar limit of your choice to automatically review or return all checks presented over a maximum dollar limit.

ACH transactions

  • ACH Filter automatically stops all ACH debits — except those you preauthorize — from posting to your account. Unauthorized transactions can be presented to you for pay or return decisions.
  • ACH Block stops all ACH debits from posting to your account.

Online transactions

  • Dual Custody requires a second user’s approval for payment initiation or Dual Custody requires one person to initiate the payment and a second person to approve release of the transaction for processing.
  • ACH Block stops all ACH debits from posting to your account.

Mailed statements

  • iBank delivers account information online through eStatements and can help reduce the risk of mail fraud and information theft that can occur with paper statements.

For more information about the fraud protection services American National Bank has to offer contact Treasury Sales at (402) 399-5037 or

Note: Implementation of the fraud prevention products, services, and steps recommended in this report, while designed to help protect your accounts from unauthorized transactions, does not guarantee that such fraud will not be attempted. It is important that you have also implemented reasonable internal procedures to ensure the integrity of your bank accounts and to protect your business assets. Please see your banker for details on your rights and responsibilities with respect to such fraud prevention.