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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, October 24th at 10:00 p.m. to Sunday, October 25th at 1 a.m. During this time, Online Banking, Mobile Banking, and iBank services will be unavailable. We thank you for your patience 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

Payables and Payroll

Secure transfers. Predictable payroll. Automated ACH payables.

Secure transfers. Predictable payroll. Automated ACH payables.



Simplify your payments

Streamline your business's finances with our easy-to-use online payment tools. Upload a payables file. Process your payroll. Set up wire transfers or recurring ACH transactions. Make reliable, predictable, scheduled electronic payments with our services.

And that's just the beginning of how we can help you strengthen your relationship with your trading partners. Setting up recurring payments is fast and easy with our online secure portal.

Woman works on laptop

ACH Direct Deposit & Payables


Want a more predictable cash flow? ACH payables can save your business both time and money. Our ACH Manager service lets you enter manually or upload files from your accounting system or an Excel Spreadsheet.

Use it for: payroll, insurance payments, retirement funds, vendor payments, and other accounts payables items.



Here's what ACH Payables can do for you:

  • Automatically deposit paychecks in employee bank accounts on time and without delays
  • Save time by setting up recurring payments
  • Set up future date payments to maximize discounts, streamline cash-flow, and ensure payments are on time
  • Protect against fraud by eliminating lost, stolen, returned, or fraudulent checks
  • Reduce bookkeeping reconciliation time and eliminate check writing
  • Reduce time spent reconciling employee paychecks 

Man works on laptop

Payroll Services

Running a company's payroll requires diligence and trust. That's why we partnered with Sage Payroll Services, to deliver best-in-class online payroll services.

We can run everything from payroll processing, direct deposit, tax filing with federal, state, and local jurisdictions, protection from fines and penalties. And we do it all for one low price.

Some of the benefits include:

  • Pay employees with a click of a button - cutting expensive check costs
  • Convenience for your employees - online portal to view pay stubs
  • Tax filing and remittance done on your behalf, designed to protect you from late fees and related penalties


Explore our payroll packages:

Payroll Essentials:

  • Well-suited for businesses with 1-10 employees
  • Direct deposit for your employees
  • Vacation and sick-days balance tracking
  • Simple enrollment, easy setup
  • Flat fee per month - $49.95

Payroll Full-Service:

For larger businesses or those with more complex needs, ask about our Full-Service Payroll option. Pricing will depend on your specific needs. Additional service options include:

  • Support for garnishments
  • Additional labor distribution
  • 401k integration


Both Services:

  • Comprehensive online payroll reports
  • Employee online access to pay stub information
  • Six-month money back guarantee1
  • No long-term commitment.
  • Unlimited support - from set up to assisting with IRS inquiries, payroll experts are available
  • Options2 for:
    • Year-end tax filings, W-2 and 1009 forms
    • Payroll cards
    • General ledger interface
    • Worker's compensation service
    • Time and attendance tracking


1 The money-back guarantee is available within the first six months of payroll processing with Sage Payroll Services. The refund is only available on processing fees, excluding courier, UPS fees, NSF charges, stop payment charges, and W-2 fees.

2 Additional fees may apply. 



Financial information displayed on laptop

Secure FTP Transfers

Automate the transmission of files to the bank on a regular schedule. Transfer large ACH files or other files to/from the bank automatically over a secure connection with encrypted files.

Although our iBank online banking product allows customers to upload files, some of our customers prefer to use Secure SSL FTP Transfers, especially for large or automated files. Secure SSL FTP Transfers are simple, cost-effective, and secure.


Abstract graphic of wire transfers made on iPhone

Wire Transfers

Send money electronically between financial institutions quickly and safely. We cover both domestic and international transfers. Have frequent transfers? We can establish customized Wire Transfer Agreements to authorize select employees to make transfers.


You can even initiate wire transfer requests via phone. Users of our iBank online banking service can make wire transfers online. In addition, you save money when wires are done through iBank at a discounted rate.



Advantages of Using Wire Transfers:

  • Sending money by wire is fast, safe, and traceable
  • Information contained in wires is transmitted securely through encrypted communication channels
  • If wired within the U.S., credit is generally received the same day
  • International wire transfers can be made in U.S. dollars or in foreign currency
  • Bank-to-bank wire transfers are considered the safest payment method


NEW Wire Manager