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System Maintenance and an Important message from American National Bank regarding COVID-19 preparedness

As part of our ongoing efforts to better serve you and improve our business processes, we will be performing routine system maintenance from Saturday, March 28 at 10:00pm until Sunday, March 29 at 2:00am. 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 clients.




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 for more information. 
  • If you are experiencing a hardship or have a different need, please call 1-800-279-0007 to speak with a customer service representative.
  • 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 Series: Part One - Beware of Email Spoofing and Wire Fraud

What is in your email inbox? As a financial institution, we are vigilant every day in our efforts to protect our clients and our employees from becoming victims of fraud. Dangerous messages from seemingly legitimate companies could be fraudster attempts to convince you to reveal personal information or wire money ultimately leading to financial damage. We want to help inform you about the latest scams and how to safeguard yourself and your business from becoming a victim.


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

Fraudulent email aimed at wire fraud seems to be coming from senior executives in the company primarily targeted to an HR or Finance department. This is also known as Spear-phishing. Example: versus the legitimate . The email address may look exactly the same until you hover over the email to see the domain name.


Supplier email Scam

The email address looks legitimate, but the email service is hacked and spoofed so it is not actually coming from the supplier. Example: versus the legitimate Beware of extensions or misspellings in the address. We are seeing this frequently where the sender’s email service is used to initiate emails using a valid email address and known information that has been exchanged in legitimate emails over the course of weeks or months.


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 an action. 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

Request for personal information other than payments. Scammers are looking for social security numbers, phone numbers, addresses to complete a bigger picture of social engineering information for future malicious activity.


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


Other Resources