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Important Holiday Notice

The Federal Reserve Bank will be closed on Monday, October 14th, in observance of Columbus Day. American National Bank will be open.

If you originate ACH transactions, please keep in mind that transactions cannot settle on Monday, October 14th and processing does not occur on the weekend.

To ensure payment by Friday, October 11th, your ACH entries should be processed through iBank on Thursday, October 10th, and dated for October 11th. We recommend that you transmit the ACH information prior to 9:30 AM.

Any transactions initiated on Friday, October 11th, will not settle until Tuesday, October 15th. If you initiate or request wires on Monday, October 14th, they will not be processed because the Federal Reserve Bank will be closed. All wires will be processed the following day, Tuesday, October 15th.

American National Bank

Business Banking Help Center

Beneficial Ownership


Treasury Services - Receivables Management

Remote Deposit Capture

Remote Deposit Capture Service Hardware and Software Requirements

Minimum Workstation Hardware:

  • Intel Dual Core 2.4GHZ or higher processor

  • 2G Memory

  • 5G Available Hard Drive Space

  • USB 2.0 or USB 3.0

Workstation Operating Systems:

  • Microsoft Windows 10

  • Microsoft Windows 8.1

  • Microsoft Windows 7 - Service Pack 1

Web Browsers:

  • Microsoft Internet Explorer 11.0

Check Scanners:

Check with us for compatibility for individual scanner models. Some scanners work only with specific operating systems. We offer several models that our customers regularly utilize. If you own a scanner and want to know if it is compatible, please check with us.

Workstation Software:

  • Microsoft .Net Framework 4.6 or higher 

  • Adobe Reader 5.0 or higher


Business Credit Cards Frequently Asked Questions

What makes the Chip Card different?

Your card comes with an encrypted microchip embedded in the card. The microchip provides an enhanced layer of security to your transactions.

How is a Chip Card more secure?

The embedded microchip provides unique data specific to your card and the transaction being processed. These security features make your new chip card extremely difficult to counterfeit.

The Chip Card technology will not prevent data breaches from occurring, but it will make it much harder for criminals to use your card information.

Why are cards being upgraded with the chip?

Chip technology is already in use in other countries and is now coming to the U.S. Your chip-enabled card provides an extra level of security and is easier to use at places already chip ready.

Can I use my card for everyday transactions or at non-chip terminals?

Yes! Your Chip Card will also have the usual magnetic stripe on the back so you can use your card at ATMs and non-chip terminals while merchants in the U.S. are transitioning to new terminals.

How do I use the Chip Card at ATMs or chip terminals?

Instead of going to a register and swiping your card, you are going to insert your card into a terminal slot and wait for it to process. It is important to leave the card in the terminal until the transaction is complete. If you remove the card too soon, the transaction will end and your purchase will not be processed. For sales transactions, the terminal will display your purchase amount.

The ATM will require you to enter a PIN. The point of sale terminal may require you to sign your sales receipt or input your PIN to complete your purchase.

When your transaction is complete, it is important to remember to remove your card.