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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 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: 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.


Schedule Appointment

American National Bank

Account Services

Simplify your business

Smart account service solutions 

Simplify your business

Smart account service solutions 

402-399-5079

 

Smart accounts for smart businesses

Running a business is complex. We help you make it a bit simpler with our account services. We have the right mix of operating accounts, payables accounts, and savings options to best serve your needs.

Do you want to automate your daily position? Or just get the most secure returns possible? Whether you're a small business owner, nonprofit, or large corporation, we're ready to help you identify the right suite of products to meet your needs.

Business Accounts

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Manage your business better with the right checking account for you. Open a robust savings account and build interest. We help you navigate the choices, looking into the specific needs of your business and finding the most dynamic choice for your business. Let us help you discover the account that best suits your business needs.

Take a look at our full lineup of checking and savings accounts for your business. 

Account

Premier

Description

The Premier account is designed for businesses with higher banking activity; earnings credits offset or eliminate service fees.

Monthly Fee

No minimum balance; the monthly fee will be $15

 

Business Accounts

Account

Business Value Checking

Basic Business Checking

Business Focus

Business Money Market

Select Savings

Description

Designed as a low-cost alternative for businesses with limited transaction activity.

For the organization with a lower minimum balance and a limited number of transactions.

Value-added services to help your business be successful. Utilize two services listed below and get up to $30 credit to offset fees.**(1)

Maintain maximum flexibility to access funds while maximizing interest.

Low minimum balance savings account.

Interest Earned

No

No

No

Competitive market rate*

Competitive market rate*

Note: “Balance” means minimum daily balance.
*Assumes the services chosen are active each month.
**Rates will be determined at the sole discretion of the bank, based on current market conditions.

(1) To qualify for the Business Focus Account, at least two of the following services must be used: Remote Deposit Capture, ACH Processing, Positive Pay, ACH Filters, or Lockbox.
Effective May 1, 2020.

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Check Recovery

As a business, you need to collect your money on-time and in full. That's why we launched our checXchange™ program. This no-cost benefit can improve your cash flow by taking care of the bad checks written to your company. The service automatically collects your returned checks electronically as part of your benefits as a customer, saving you time and effort.

All successfully collected checks are reimbursed weekly to your business account at 100% of the face value of the returned check. If the check is not collected then it is returned to your business or optionally placed with an outsourced secondary collections agency.

The advantages of checXchange™:

  • FREE basic service
  • Your company stays out of the collection business
  • All returned checks are handled automatically
  • 100% of the face value of the check recovered
  • 75%-80% enhanced collection Rate of Recovery
  • Cash management improvement by recovering your money faster
  • Time saving - no more time wasted chasing down bad checks
  • 24/7 real-time, online access to all checks being collected by checXchange™

 

Explore our terms and conditions

 

 

Business professionals review data on iPads

Investment Options

Invest smarter with American National Bank. We offer a range of investment options, each with their own strengths. Let us help you navigate the investment space of business banking.

Whether you need an Insured Cash Sweep (ICS) or a money fund sweep, we've got you covered at American National Bank. Explore our exciting investment options:

 

 

 

 

 

Money Market

Earn a higher rate of interest and have the flexibility to access funds when needed.

Certificates of Deposits (CDs)

A secure alternative to savings while earning a higher rate.

Money Fund Sweep

Put your money to work with an automated sweep account. This sweep account automatically invests your excess funds in a bank money market account. We work with you to determine the appropriate sweep level, giving you the best investment of your funds while ensuring you do not exceed the maximum number of withdrawals.

Insured Cash Sweep (ICS)

A sweep program that gives you the added benefit of FDIC coverage for the funds invested in ICS. We invest the funds through a network of FDIC banks with the deposits monitored and placed through the Promontory Network. Two sweep options are available, depending on your investment needs and level of activity:

  1. Unlimited transfers to or from ICS, or
  2. a limited 6 transfers per month out of the ICS investment.*

*Pre-authorized withdrawals (transfers by telephone, wire or online, overdraft protection, automatic payments or checks) are limited to a combined total of six per month.

Certificate of Deposit Account Registry (CDAR)

A term certificate offered through the Promontory Network of FDIC-insured banks, enabling member banks to place customer funds under additional FDIC coverage. Your deposits will be placed with one or more banks up to the maximum FDIC limit to ensure you have full coverage. CDARs are placed once per week and can be invested for terms of 7 days, 13 weeks, 26 weeks, and 52 weeks.

NEW FDIC

NEW CDARS
 

 

 

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Nonprofit Accounts

Nonprofits often times have to do more with less. That's why we help them stretch every dollar as far as it can go. Whether it be managing a checking account for your daily transactions, depositing donations and other funds received, or paying bills by check, ACH, or card transaction - we have robust nonprofit accounts ready.

Our Treasury Services will complement your checking account by streamlining your day-to-day operations. 

 

Accounts for Nonprofit 501(c)(3) Organizations

Account

Nonprofit Checking

Nonprofit  Plus Interest

Basic Business Checking

Business Focus

Business Money Market

Select Business Savings

Description

Designed as a low-cost alternative for organizations with limited transaction activity.

Designed as a low-cost alternative for organizations with limited transaction activity.

For the organization with a lower minimum balance and a limited number of transactions.

Value-added services to help your business be successful. Utilize two services listed below and get up to $35 credit to offset fees.**(1)

Maintain maximum flexibility to access funds while maximizing interest.

Low minimum balance savings account.

Interest Earned

No

Yes, earn interest at a competitive rate*

No

No

Competitive market rate*

Competitive market rate*

Account

Nonprofit Premier +

Description

The Premier + account is designed for larger nonprofit organizations with higher banking activity. Earnings credits offset or eliminate fees.*

Interest Paid

Interest is paid once service fees are offset. 

Monthly Fee

No minimum balance; the monthly fee will be $10

Credit to Offset Fees

Earnings credits are paid on your balance to offset monthly service charges. The rate is determined by the bank and may change at any time.

 

Note: “Balance” means minimum daily balance.
*Assumes the services chosen are active each month.
**Rates will be determined at the sole discretion of the bank, based on current market conditions.

(1) To qualify for the Business Focus Account, at least two of the following services must be used: Remote Deposit Capture, ACH Processing, Positive Pay, ACH Filters, or Lockbox.
Effective May 1, 2020

Sweep / Zero Balance Accounts

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Automatic Sweep Account

Effortlessly invest with our Sweep Account system. Continuously and automatically roll surplus deposit account funds into and out of an investment account.

It works by automatically generating a "target balance" (based on the previous month's activity). It shifts extra funds to the investment account, or shifts them back if they're needed to cover activity.

Enjoy a higher yield on your funds with no additional work, and no sacrifice of liquidity. Accumulated interest is simply added to your investment account every month.

Zero Balance Account

Manage your funding more flexibly with Zero Balance Accounts (ZBAs). Balance funding for business purposes while maintaining control of your cash.

The ZBA accumulates activity throughout the course of a day.  At the close of business, just enough funds from the primary account are swept into the ZBA to cover that day's activity.  Likewise, excess funds can be transferred to the primary account. 

Establish multiple ZBAs for as many distinct business functions (like payroll). Track and control different aspects of your operation without fragmenting your central cash account.