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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 www.cdc.gov 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: 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.


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American National Bank

Manage Working Capital

Working capital is a key indicator of financial health. Therefore managing working capital is essential. You must constantly be alert to changes in your working capital position to ensure it remains strong, making adjustments as follows:

  1. Cash and Equivalents - Keep your cash levels adequate to cover expenses, but employ your excess cash to reduce borrowings if you are using a revolving line of credit.
  2. Accounts Receivable - Ensure your receivables are being collected on a timely basis. Managing collections maximizes liquidity and reduces the risk of a significant bad debt.
  3. Inventories - Consider quantity and mix. Excess and obsolete inventory can absorb valuable liquidity.
  4. Accounts Payable - Manage the money owed to suppliers within terms. If you find yourself falling behind, effective communication with suppliers is important.