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System Maintenance

As a part of our ongoing efforts to better serve you and improve our business processes, we will be performing routine system maintenance from Saturday, September 26th at 9:00 p.m. to Sunday, September 27th at 3:00 a.m.

During this time, Online Banking, Mobile Banking, and iBank services will be unavailable. We apologize for the inconvenience and look forward to providing superior products for our valued clients.

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

Fraud Prevention - Beware of Email Spoofing and Wire Fraud

As your financial partner, we are vigilant in our efforts to protect you from becoming a victim of fraud. Email spoofing is the creation of an email message using a forged sender address. These are often sophisticated, authentic-looking messages that are very good at tricking the receiver into taking action that releases confidential financial information. Knowing what to look for can help safeguard your business from losses due to forged emails attempting to initiate fraudulent wire or payment requests.


Signs of a Scam:


Scammers can have a sense of urgency or request inappropriate confidentiality such as:

  • Any update of payment instructions
  • Any change of a company profile within an internal system
  • Any addition of a new contact representing a company
  • Any request for a new payment for a business transaction
  • Any request for a sudden change in business practice


CEO email or Spear-phishing

Fraudulent emails believed to be coming from senior executives aimed at wire fraud primarily targeted to an HR or Finance department prompt victims to reveal confidential information or make wire transfers via email instruction.  This is also known as Spear-phishing. 


Message from a Vendor

The email address appears to be from a trusted vendor aiming to collect confidential information or change payment instructions.

What to look for:

  • A slight variation in an extension or a misspelling form the typical email address. For example, the trusted address you expect to see is A spoofed email may come across like one of these:, jon.doe@trusted or 
  • To collect confidential information, a spoofed email may redirect the receiver to provide the information to a link that they control.
  • The email tells you the company has changed banks and you are asked to update payment instructions. Cyber criminals closely watch email activity and can see details about invoices, amounts, dates and other information. Once funds are sent, your chances of recovering funds is almost impossible.


Attorney email Scam

This email can be in the form of a business acquisition, major business transaction or other legal request sent from an attorney to a senior executive asking for complete confidentiality for a time sensitive matter. Example: Acts that may seem threatening like a subpoena requesting information that looks legitimate, but is disguised to provide confidential information.


Non-Financial Data Phishing Scheme

A request for personal information such as social security numbers, phone numbers, and addresses to complete a bigger picture of social engineering information for future malicious activity.


Who is Targeted?

Cybercriminals target employees with specific job functions who have roles in authorizing or executing accounts payable operation such as corporate executives, human resources, or corporate finance employees.


Important Precautions

None of these precautions are new, but bankers are frequently seeing every single one of these attempts being made. We recommend developing a safe culture for your organization with these multilayered protections.

If you receive a suspicious email, be mindful of the following:

  1. Always verify any new or changed payment instructions by means other than email. We recommend a call.
  2. Never send account information via email. Not even to the bank.
  3. Use dual control for all transaction initiation. For ACH or Wire transfers, American National Bank/Western Bank recommends dual authorization for any ACH or Wire transfer initiated with one person authorized to initiate and a second person authorized to approve the transaction.
  4. Know your banker. We may call to verify a person or transaction. We will authenticate the request by asking for personal information which you have shared with your banker that would help them identify you as a customer and not someone who has obtained information through social engineering or stolen information. Our standard security procedures will identify you through two levels of questions. We recommend eStatements as a way to avoid fraudsters from acquiring a paper statement with important information.
  5. Messages from unknown senders should always be scrutinized. Have your IT department tag all external email accordingly – this will help identify spoofed email messages.
  6. Avoid clicking on links or opening attachments from unknown senders. Pick up the phone and call to verify that the sender sent the email, whether it is an attorney, vendor, supplier, bank, accountant, etc. When possible, ask the vendors to acknowledge the payments in advance and confirm how and when they will deliver the information.
  7. Always hover your cursor over links in emails, social media or online websites before clicking. If the websites don’t match, it may contain a malicious link.
  8. Do not “reply” to suspicious emails. You may inadvertently be communicating with the fraudster instead of the intended party.


Develop Confirmation Procedures

  • Pick up the phone and call the sender using the company directory or known vendor information
  • Define the approval process for implementing a new account number
  • Authenticate the request by asking the individual to provide information that would not be contained in email correspondence or through other means
  • When possible, ask your vendors to acknowledge the payments


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