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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, 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 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

Communication With Your Banker

One of the positive, almost hidden, aspects of credit is that your bank has a stake in the success of your business and wants you to succeed. Therefore, your banker is your ally and should know almost as much as you do about your business in order to offer you valuable ideas, insights and solutions to problems, as well as help create possible business development opportunities for you.

Providing your banker with your business' financial information frequently, as well as having regular, open communication with him or her is very important to building trust and credibility. Particularly if your business is encountering problems. No one likes surprises. So don't wait until your company has encountered a tough issue (e.g. difficulty making payroll, loss of sales, bankruptcy of a key client) to let your banker know about problems. Especially if you need additional financing. Notifying the bank early builds trust and gives your banker the flexibility to possibly make concessions that might not be available down the road.

To negotiate with your bank from a position of strength and enhance your credibility, it is essential that you identify the problem you are having and propose a reasonable solution. You can also ask your banker for ideas on how to resolve an issue you are grappling with. Many bankers have the in-depth knowledge and experience to provide helpful solutions. Taking this approach will impress your banker and help build the trust necessary for your bank to consider modifying the terms of your banking arrangement to give your business some breathing room when needed.