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American National Bank

Personal - FAQ/Help Center

Personal: Personal Banking

Monthly Statements

Want access to your statement electronically each month? Sign up for eStatements. Not only do you get to go green, but it's completely safe (your personal information is protected). And to make sure you are the only one with access, we'll send you an email each month when your statement is ready. Then you just go to your Online Banking account to review. Here's how to sign up for eStatements:

  1. Sign on to Online Banking.
  2. Click the "Options" button.
  3. Scroll down and select the "eStatements" section and select the account(s) for which you'd like eStatements.
  4. Click through the electronic disclosure.
  5. You will immediately be able to view your statements online.

Have some questions? Need us to walk you through the process? Please contact us at 402-457-1077 in Omaha, 712-328-2449 in Council Bluffs, toll free 1-800-279-0007 or at customerservice@anbank.com.

Stay on top of your personal finances with 24/7 access to your personal statement.

  1. After signing into online banking, click the eStatements tab under the top navigation bar. Then follow the steps below:
  2. Select the account for the statement you want to view.
  3. Under Document Type, select the type of statement you wish to view.
    • PDF (looks like the paper statement)
    • HTML (text only - will save on ink if you want to print!).
  4. Click on the submit button and select the statement you want to view.*

Note: Statements prior to June 24, 2015, will not contain images.

You have two years of images available online through the "All Transactions" tab. Here's how to find them:

  1. Select the account.
  2. Click on the Transactions link under the top navigation bar.
  3. Select "All Transactions."
  4. Find the image you need and click on it to display the image.
  5. Print or copy the image.

Images (checks/deposit images) will be available for up to 7 years through Customer Service, if you need copies.

  1. Automatic Transfer From a Backup Account: Link an eligible American National Bank account to your checking account as a Backup Account. If you overdraft, we'll automatically transfer available funds to cover your transaction (with a small $5 transfer fee).
    • Here's the fine print:
      • There is no fee to add this service, and there is no fee if you never use it.
      • Any checks, ACH, online bill payments, ATM and debit card transactions may be paid, even if you do not have sufficient funds in your account.
      • We may pay the items for your convenience, but we will assess the standard overdraft fees as stated in the Miscellaneous Fee Schedule.
      • This is a discretionary service that may help you avoid declines, especially if you do not have other forms of payment available. Payment of overdrafts is discretionary by the Bank and not a guaranty of payment.
  2. Overdraft Privilege: Overdraft Privilege can be an appropriate safety net, helping you avoid declines and additional fees from merchants for an accidental overdraft. Opting in to our discretionary Overdraft Privilege allows the bank to consider authorizations for debit card purchases, even when funds are not available in the account. Otherwise, your debit card transaction may be declined at time of purchaseOverdraft Privilege is available based on approval by the Bank. If you opt in to Overdraft Privilege, you may receive the following benefits:
    • There is no fee to add this service, and there is no fee if you never use it.
    • Any checks, ACH, online bill payments, ATM and debit card transactions may be paid, even if you do not have sufficient funds in your account.
    • We may pay the items for your convenience, but we will assess the standard overdraft fees as stated in the Miscellaneous Fee Schedule.
    • This is a discretionary service that may help you avoid declines, especially if you do not have other forms of payment available. Payment of overdrafts is discretionary by the Bank.
  1. Record your transactions - That means deposits, withdrawals, checks, recurring payments, debit and ATM transactions, and cash withdrawals.
  2. Know your available balance - Our online personal statements can help you keep on top of it (as can Banklink, our automated telephone service, or our ATMs).
  3. Balance your checkbook monthly - It just takes a minute to review your online statement, but it makes all the difference.

Please note, you may opt out at any time. Review the Overdraft Privilege Disclosure for additional information.
 

     

    PERSONAL: Wealth Management

    Retirement

    An IRA is a personal savings plan that offers a very specific set of tax benefits. Even if you are contributing to a 401(k) or similar plan through your employer, you should still consider the benefits of an IRA account.

    There are two major types of IRAs: Traditional and Roth accounts.

    Traditional IRA
    A Traditional IRA is a personal savings plan that also offers tax benefits to promote retirement savings. Traditional IRA contributions are either tax-deductible (the money goes into your IRA pre-tax) or nondeductible (you pay income tax on the money that goes into your IRA).

    Roth IRA
    A Roth IRA is a personal savings plan that also offers tax benefits to promote retirement savings. Roth IRA contributions aren't tax-deductible on your federal income taxes, which means an individual can only contribute after-tax dollars.

     

    PERSONAL: Anywhere Banking

    Online Banking

    Existing Online Banking customer? 

    1. Sign in to your online account
    2. Click on the "Accounts" tab at the top of the page
    3. Select your checking account number
    4. Go to the left navigation bar and select "Payments"
    5. You are ready to begin setting up your Online Bill Pay account

    Not an Online Banking Customer?

    1. Are you ready to sign up for online banking? Registering is quick and easy.  Please call 402-457-1077 or 800-279-0007 or stop in any branch to enroll. 
    2. Enter in your information
    3. Sign in to your online account
    4. Click the "Accounts" tab at the top of the page
    5. Select your checking account number
    6. Go to the left navigation bar and select "Payments"
    7. You are ready to begin setting up your Online Bill Pay account (it should take less than 5 minutes)

      Want to pay bills from multiple accounts? No problem!

      • Automatically pay bills from the account you enrolled with. If you have multiple accounts you would like to pay bills from, simply call us at 712-242-3288 or 1-800-279-0007 and we'll get that set up for you.

      Popmoney - pay anyone you know or anyone you owe!

      When you are signed up for Online Bill Pay, you can use Popmoney to send and receive money directly from your account. It's safe and secure. All you need is your recipient's email address or mobile phone number.

      Popmoney links 1,400 financial institutions across the United States. Over 35 million people take part in their safe, smart online person-to-person payments system.

      Terms and conditions apply.

      Account Alerts

      It's easy to sign up once you're enrolled in Online Banking.

      1. Log in to your online banking account.
      2. Go to the Alerts box in the top right.
      3. Select the account you want to set up, checking (DDA) or savings (SAV) or select an existing account you wish to change (and click edit)
      4. Select the alert you want, and then indicate if you want to receive an email or text.
      5. If you want multiple alerts on the same account, simply follow the same process again.
      6. If you wish to delete an alert, go into the Alert Screen and click on the Delete "X" for the specific alert you would like to delete

      If your email or mobile phone number changes, please update your alerts.

      To Add a New Alert:

      From the Accounts tab; click on New for DDA or New for SAV in the Alerts box (upper right hand corner):

      • Select an account category (DDA or SAV) from the drop down box
      • Select an alert type from the drop down box
      • Click Next
      • Fill in all the boxes
      • Click Finish
      • The page will display a confirmation screen for your review
      • Click Done
      • The page will display a screen with all of your alerts for the account type (DDA or SAV)
      • Click on X (bottom right hand corner) to return to the Accounts tab

      To Change an Existing Alert:

      From the Accounts tab; click on DDA or SAV in the Alerts box (upper right hand corner):

      • The page will display a screen with all of your alerts for the account type (DDA or SAV)
      • Click on the Edit icon for the alert to be changed
      • Make changes in the boxes as needed
      • Click Finish
      • The page will display a confirmation screen
      • Click Done
      • The site will return you to the display screen with of all of your alerts for the account type
      • Click on X (bottom right hand corner) to return to the Accounts tab

      To Delete an Alert:

      To Send a Text Message Instead of an Email:

      Enter your 10 digit phone number followed by the vendor-provided domain in the email address box. Text message fees may apply. Listed below are many providers' text message information, which will be necessary to sign up for text message alerts.

      • Alltel

        • [10-digit phone number]@message.alltel.com

        • Example: 1234567890@message.alltel.com

      • AT&T

        • [10-digit phone number]@txt.att.net

        • [10-digit phone number]@mms.att.net (MMS)

        • [10-digit phone number]@cingularme.com

        • Example: 1234567890@txt.att.net

      • Sprint

        • [10-digit telephone number]@messaging.nextel.com

        • Example: 1234567890@messaging.nextel.com

      • Sprint

        • [10-digit phone number]@messaging.sprintpcs.com

        • [10-digit phone number]@pm.sprint.com (MMS)

        • Example: 1234567890@messaging.sprintpcs.com

      • T-Mobile

        • [10-digit phone number]@tmomail.net

        • Example: 1234567890@tmomail.net

      • US Cellular

        • [10-digit phone number]email.uscc.net (SMS)

        • [10-digit phone number]@mms.uscc.net (MMS)

        • Example: 1234567890@email.uscc.net

        • Verizon

        • [10-digit phone number]@vtext.com

        • [10-digit phone number]@vzwpix.com (MMS)

        • Example: 1234567890@vtext.com

      • Virgin Mobile USA

        • [10-digit phone number]@vmobl.com

        • Example: 1234567890@vmobl.com

       

      Mobile Banking

      Mobile Banking How-To Guide

      • Log in to the mobile app using your current Internet banking password.

      • The Accounts page is displayed.

        • All accounts enrolled in Mobile Banking display along with the account balance.

      • Select the account balance to view a list of transactions for the appropriate account.

      • The Account Details page is displayed.

      • Select "Transaction History" to view transaction history for the appropriate account.

      • The Transactions page is displayed.

      • Scroll to the bottom to select the next 10 transactions.

      • Select "Account Details" to return to the Account Details page.

      • Select "Log Out" to close the mobile app.

      • Log in to The Mobile App using your current Internet banking password.

      • The Accounts page is displayed.

      • Select "Payments."

      • The Pay a Bill page is displayed.

      • Select "Pay a bill."

      • On the Pay Bills page, select:

        • Make a payment

        • Pay an e-bill

        • Change or cancel payment

      • The Biller Information page is displayed.

      • Select a biller.

      • The "Do you want to pay this biller?" message is displayed. Verify the information is accurate

      • Select "Yes."

      • The Enter Payment Information page is displayed.

        • Account: select account to pay from

        • Amount: enter the amount of the payment

        • Pay Date: enter the date of the payment

      • The Confirm Payment page is displayed.

      • The "Do you want to make this payment?" message is displayed. Verify the payment information is accurate. Select "Yes."

      • The Payment Confirmation page is displayed.

      • Select 'Biller Info' to return to the payee list.

      • Select 'Menu' to return to the Main Menu.

      • The Pay a Bill page is displayed.

      • Select "Pay eBills."

      • The Select an eBill page is displayed.

      • Select the appropriate payee.

      • The eBill Summary page is displayed.

      • The "Do you want to pay this eBill?" message is displayed.

      • Select "Yes."

      • The Enter Payment Information page is displayed.

        • Account: select account to pay from

        • Amount: enter the amount of the payment

        • Pay Date: enter the date of the payment

      • The Confirm Payment page is displayed.

      • The "Do you want to make this payment?" message is displayed. Verify the payment information is accurate.

      • Select "Yes."

      • The Payment complete page is displayed.

      • Select "Payments" to return to the payee list.

      • Select "Accounts" to return to the Main Menu.

      • The Pay a Bill page is displayed.

      • Select "Change or Cancel Payments."

      • The Select a Payment page is displayed.

      • Select the bill payment to change.

      • The Payment Details page is displayed.

      • Select "Change Pmt."

      • The Enter Your Changes page is displayed.

      • Make the necessary updates and select "Next."

      • The Confirm Changes page is displayed.

      • The "Do you want to make this payment?" message is displayed. Verify the payment information is accurate.

      • Select "Yes."

      • Select Payments to return to the payee list.

      • Select "Cancel a Bill Payment."

      • The Pay a Bill page is displayed.

      • Select "Change or Cancel Payments."

      • The Select a Payment page is displayed.

      • Select the bill payment to cancel.

      • The Payment Details page is displayed.

      • Select "Cancel Pmt."

      • The Cancel Bill Payment page is displayed.

      • The "Are you sure you want to cancel this payment?" message is displayed.

      • Select "Yes."

      • The Cancellation Confirmation page is displayed.

        • Select "Payments" to return to the payee list.

        • Select "Accounts" to return to the Main Menu.

        • Select "Log Off" to close the mobile app.

      • Log in to the mobile app using your current Internet banking password.

      • The Main Menu page is displayed.

      • Select "Transfers."

      • The Transfer Money page is displayed. Establish the following:

        • Transfer From: select the account to debit for the transfer.

        • Transfer To: select the account to credit for the transfer.

      • Amount: enter the amount of the transfer.

      • Select "Next."

      • The Confirm Transfer page is displayed.

      • Select "Yes."

      • The Transfer Confirmation page is displayed.

      • Select "Accounts" to return to the Main Menu.

      • Select "Log Out" to close the mobile app.

      • Log in to the mobile app using your current Internet banking password.

      • The "Accounts" page is displayed.

      • Select "Locations."

      • The ATM & Branch Search page is displayed.

      • Select "Search by Current Location" or "Search by ZIP or address."

      • The Search by Address page is displayed.

      • Enter the appropriate search criteria and select "Search."

      • The Search Results page is displayed.

      • Select the appropriate ATM or branch.

      • Details for the ATM or branch are displayed.

      • Select "Map or directions" to the ATM or branch.

        • A map displaying the location of the ATM or branch is displayed.

      • Select "Last View" to return to the Location page.

      • Select "Directions" to the ATM or Branch.

        • Directions to the location of the ATM or branch will be displayed.

      • Select "Log Out" to close the mobile app.

      Mobile Banking FAQs

      • Absolutely. Security is on the forefront of mobile banking technology. It has been assessed against industry security criteria by a number of independent system security experts. Here's how it keeps you and your money safe:

        • Authentication - Customers have to be authenticated for every interaction with Mobile Banking by username and password or existing login credentials.

        • Encryption - 128-bit encryption is used for all transactions within Mobile Banking and between Mobile Banking and our other banking systems.

        • Fraud - Mobile Banking incorporates mechanisms such as transaction validation and transaction reconciliation processes to detect fraud.

        • Availability/Resilience - Mobile Banking is protected against malicious attacks through software and server hardening measures.

        • Audit Ability - Mobile Banking provides full audit capabilities through event logs and event-based reporting.

      • No. Mobile Banking does not save any files with personal or financial information on your mobile device. That information stays strictly within online banking. Some phones (e.g., BlackBerry, Android) have logo and branding files that are copied to the mobile device. Those files do not contain any personally identifiable information.

      • You can access any account you have set up in online banking. You select which accounts you want to access using Mobile Banking during the enrollment process.

      • When you view your account balance, you see the current available balance. When you view transaction history, you see the most recently posted transactions. Pending transactions do not display.

      • Yes. You can enroll several mobile devices for Mobile Banking. To add a new phone, see the Mobile Banking Enrollment on the "Banking with your mobile app" page.

      • If your mobile phone number changes, simply update your mobile phone number in Mobile Banking. To update the mobile phone number, see How to Change a Phone Number on the "Banking with your mobile app" page.

      • If your mobile device is lost or stolen, no one can access your account without knowing your password and, in some cases, your unique user name. To prevent unauthorized access to your account, you can deactivate your phone in Mobile Banking. To deactivate your mobile device, see How to Deactivate or Stop Using a Mobile Device on the "Banking with your mobile app" page.

      • To stop using Mobile Banking on your mobile device, see How to Deactivate or Stop Using a Mobile Device on the "Banking with your mobile app" page.

      • Hundreds of models are supported, including these major brands: iPhone, BlackBerry, HTC, LG, Motorola, Nokia, Pantech, Samsung, Sanyo, and Sony Ericsson. Phones on a number of different operating systems are supported, including, but not limited to, Android, BlackBerry, iOS, Symbian, Windows Mobile, Linux, Palm webOS, and Maemo.

      • Mobile Banking works on all major mobile service carriers in the U.S.: AT&T, Sprint, T-Mobile?, U.S. Cellular? and Verizon Wireless. Mobile Banking also works on a number of the smaller service carriers, including, but not limited to, Boost Mobile, Cricket Wireless, Metro PCS, Pioneer Cellular, Union Wireless and Virgin Mobile USA.

      • Mobile Banking works with most prepaid plans, but we cannot guarantee that your carrier supports standard U.S. short codes. T-Mobile prepaid does not support short codes.

      • No, there is no fee for Mobile Banking. However, your mobile carrier may charge for Internet access and/or text messages. Please note message and data rates may apply.

      • Absolutely. Mobile Banking has three distinct delivery channels available to meet the varying and evolving needs of our customers:

        • SMS or Text Messaging - uses text messages to obtain account-specific information (e.g., available balance, pending transactions) and return the information to your mobile device.

        • Mobile Browser or WAP - uses the browser on your mobile device to perform transactions, make payments, locate ATMs, and more.

        • Downloadable Application - uses a mobile application that is downloaded and installed on your mobile device to perform mobile banking and payment transactions.

        • Please note message and data rates may apply.

      • There could be several reasons it isn't working. 1) If you enrolled without going through online banking it will not work (this ensures the highest level of security); or 2) If you enrolled through online banking but did not use the provided link, it will not work. 3) The link was not activated soon enough and it expired.

      • You will simply need to re-enroll by going through online banking.

      Depositing checks with your mobile

      Mobile Deposit is easy to use. Here are a few things to keep in mind:

      • Always sign/endorse the back of the check and label it "For Deposit Only".

      • Write "Mobile Deposit" on the front of your check as a reminder that you have already deposited the check.

      • Once the image of your check has been received, you will see a "pending" status of the deposit on your mobile device. This means a good image has been captured - but it does NOT mean the deposit has been made yet. Check your account within 48 hours to verify the deposit has been posted.

      • Hold onto the original check in a secure place for 10 days after it has posted to your account. After the 10 days, the check should be shredded.

      FAQ about mobile deposits.

      • If you have the Mobile Banking app, Mobile Deposit will appear and is ready to begin using.

      • No, this application is for personal accounts. There are other options for businesses and any one of our branch employees can assist you with that, or you can call Customer Service at 1-800-279-0007.

      • Once the image of your check has been received, you will see a "pending" status of the deposit on your mobile device. This means a good image has been captured - but it does NOT mean the deposit has been made yet. Check your account within 48 hours to verify the deposit has been posted.

      • Hold on to the original check in a secure place for 10 days after it has posted to your account. After the 10 days, the check should be shredded.

      • Always sign/endorse the back of the check and label it "For Deposit Only." Write "Mobile Deposit" on the front of your check as a reminder that you have already deposited the check.

      • You may always bring your check to any one of our convenient branch locations and deposit the "old fashioned" way, but here are a few tips for getting a good image:

        • Before logging into the Mobile Banking App, close all other Apps running in the background on your mobile device.

        • Flatten folded or crumpled checks before taking your photos.

        • Keep the check within the viewfinder on the camera screen when capturing your photos.

        • Try not to get too much of the areas surrounding the check.

        • Take the photos of your check in a well-lit area.

        • Place the check on solid dark background before taking the photo of it.

        • Keep your phone flat and steady above the check when taking your photos.

        • Hold the camera as square to the check as possible to reduce corner to corner skew.

        • Make sure the entire check image is visible and in focus before submitting your deposit. In order to do that, the image of the check must have:

          • No shadows

          • All four corners visible

          • Clarity (can't be blurry)

          • A visible MICR line (numbers on the bottom of the check)

      Is it safe to use public Internet access when making my deposit?

      • We recommend you make your deposits in a secured Internet environment.

      Is there any maintenance or upkeep for this application?

      • Periodically there will be updates to the application. You will see this designated with a number on the app. We recommend you always update the application when you see one is available. This is important to ensure the app continues to perform to its capacity.

      Text Message Banking

      • Log in to your online banking account using Online Banking.

      • Click on the options tab at the top of the page in the blue bar.

      • Locate the Mobile Banking profile section and click "Enroll now."

        • Note: For security reasons, only one user can register for each mobile device. However, once you complete the registration process, you can add more phones to your Mobile Banking account.

      • The Mobile Banking Terms and Conditions page is displayed next. You will need to "Accept" the check box and then click "Continue."

      • Then "Select Your Services" page will appear.

        • Select the Mobile Banking services you prefer:

          • Mobile Browser

          • Text Banking

          • Downloadable Application

      • Next, the "Your Details" page will display.

      • Select the appropriate "Eligible Accounts" check boxes and then enter the nickname that you would like to use to identify each account in a text message.

      • The "Mobile Banking Number" page is next.

      • Enter your mobile phone number, including the area code.

      • Click "next."

      • A text message with an activation code will be sent to the mobile phone number entered.

        • Note: The activation code expires 24 hours after you receive it.

      • The "Activate Your Phone" page is displayed.

      • Enter the activation code received in the text message.

      • Click "Activate" to complete enrollment in Mobile Banking.

      • For Text Message Banking, a text message with a short code is sent to the newly activated mobile device.

        • Note that this short code (96924) is for use when utilizing Mobile Banking's text messaging service.

        • You will also receive texting commands.

          • Text "BAL" for your balances

          • Text "Hist"+ your account's texting nickname for a list of transactions (example HIST C1).

      The following section contains steps for using the Mobile Banking text messaging service. Please note, message and data rates may apply.
      How to View Account Balances
      • Send "B," "BAL," "BALANCE," or "BALANCES" to the short code (96924) received after activating the mobile device.

      • A text message is returned displaying the balances for the accounts enrolled in Mobile Banking.

      How to View Transaction History

      • Send "STMT," "TRAN," or "HIST" plus the nickname for the account (e.g., HIST Free Checking) to the short code (96924) received after activating the mobile device.

      • A text message is returned displaying the transaction history for the account.

      • Reply to the transaction history text with the word "NEXT" or "MORE" to view the next group of transactions.

      • A text message is returned displaying the transaction history for the next group of transactions.

      • Repeat steps 3-4 to view the next group of transactions.

      How to Locate ATM Locations

      • Send "ATM" plus the ZIP code, city, or state for the ATM (e.g., ATM 20123) to the short code (96924) received after activating the mobile device.

      • A text message is returned displaying the ATM location(s) for American National Bank.

      How to Locate Branch Locations

      • Send "BRANCH" plus the ZIP code, city, or state for the branch (e.g., BRANCH Silver Spring, MD) to the short code (96924) received after activating the mobile device.

      • A text message is returned displaying the branch location(s) for American National Bank.

      How to Locate ATM and Branch Locations

      • Send "BOTH" plus the ZIP code, city or state for the branch (e.g., BOTH Silver Spring, MD) to the short code (96924) received after activating the mobile device.

      • A text message is returned displaying both the ATM and branch location(s) for American National Bank.

      How to Request Help

      • Send "HELP" or "HLP" to the short code (96924) received after activating the mobile device.

      • To cancel, text "STOP" to 96924 at any time.

      • A text message is returned displaying a list of acceptable keywords.

      • To use the mobile browser service, your mobile device must have an Internet browser and may require a data service plan. You access the Mobile Banking website using the link sent by SMS text message during the enrollment process.

       

      • Log in to your online banking account using Internet banking on the Home Page of the www.anbank.com website.

      • Once in online banking click on the options tab at the top of the page in the blue bar.

      • Locate the Mobile Banking profile section and click "Enroll now."

        • Note: For security reasons, only one user can register for each mobile device. However, once you complete the registration process, you can add more phones to your Mobile Banking account.

      • The Mobile Banking Terms and Conditions page is displayed next. You will need to "Accept" the check box and then click "Continue."

      • Then the "Select Your Services" page will appear.

      • Select the Mobile Banking services you prefer:

        • Mobile Browser

        • Text Banking

        • Downloadable Application

      • Next, the "Your Details" page will display.

      • Select the appropriate "Eligible Accounts" check boxes and then enter the nickname that you would like to use to identify each account in a text message.

      • The "Mobile Banking Number" page is next.

      • Enter your mobile phone number, including the area code.

      • Click "next".

      • A text message with an activation code will be sent to the mobile phone number entered.

        • Note: The activation code expires 24 hours after you receive it.

      • The "Activate Your Phone" page is displayed.

      • Enter the activation code received in the text message.

      • Click "Activate" to complete enrollment in Mobile Banking.

      • For Browser Banking you will receive a text message with a link to the Mobile Banking site

      • Click and bookmark the Mobile Banking site's unique link.

       

      The following section contains steps for using the Mobile Banking mobile browser service. Please note, message and data rates may apply.

      How to Access the Mobile Banking Browser

      • From the text message received after activating the mobile device, select the mobile browser hyperlink. Note: Bookmark the mobile browser hyperlink to easily access Mobile Banking in the future.

      How to View Accounts

      • Log in to Mobile Banking using your current Internet banking login.

      • The Main Menu page is displayed.

        • Select "View Accounts."

      • The Account Balances page is displayed.

        • All accounts enrolled in Mobile Banking display along with the account balance.

        • Select the account balance to view a list of transactions for the appropriate account.

      • The Account Details page is displayed.

        • Select "Transactions" to view transaction history for the appropriate account.

      • The Transaction History page is displayed.

        • Select "Prev" to view the previous transaction.

        • Select "Next" to view the next transaction.

        • Select "Back" to return to the History page.

        • Select "Menu" to return to the Main Menu.

        • Select "Log Off" to close Mobile Banking.

      How to Pay Bills

      • Log in to Mobile Banking using your current Online Banking login. The Main Menu page is displayed.

      • Select "Pay Bills."

      • The Pay a Bill page is displayed.

      • Select "Make a Payment."

      • The Select a Biller page is displayed.

      • Select the appropriate payee.

      • The Biller Information page is displayed.

      • The "Do you want to pay this biller?" message is displayed. Verify the information is accurate.

      • Select "Yes."

      • The Enter Payment Information page is displayed. Establish the following:

        • Pay From: select the account to debit for the payment.

        • Amount: enter the amount of the payment.

        • Pay Date: enter the date of the payment.

      • The Confirm Payment page is displayed.

      • The "Do you want to make this payment?" message is displayed. Verify the payment information is accurate. Select "Yes."

      • The Payment Confirmation page is displayed.

      • Select "Back" to return to the payee list.

      Pay eBills

      • The Pay a Bill page is displayed.

      • Select "Pay eBills."

      • The Select an eBill page is displayed.

      • Select the appropriate payee.

      • The eBill Summary page is displayed.

      • The "Do you want to pay this eBill?" message is displayed. Select "Yes."

      • The Enter Payment Information page is displayed. Establish the following:

        • Pay From: select the account to debit for the payment.

        • Amount: enter the amount of the payment

        • Pay Date: enter the date of the payment.

      • The Confirm Payment page is displayed.

        • The "Do you want to make this payment?" message is displayed. Verify the payment information is accurate. Select "Yes."

      • The Payment Successful page is displayed.

      • Select "Back" to return to the payee list.

      • Select "Menu" to return to the Main Menu.

      Change a Bill Payment

      • The Pay a Bill page is displayed.

      • Select "Change or Cancel Payments."

      • The Select a Payment page is displayed.

      • Select the bill payment to change.

      • The Payment Details page is displayed.

      • Select "Change Pmt."

      • The Enter Your Changes page is displayed.

        • Make the necessary updates and select '"Next."

      • The Confirm Changes page is displayed.

        • The "Do you want to make this payment?" message is displayed. Verify the payment information is accurate. Select "Yes."

      • Select "Back" to return to the payee list.

      • Select "Menu" to return to the Main Menu.

      Cancel a Bill Payment

      • The Pay a Bill page is displayed.

      • Select "Change or Cancel Payments."

      • The Select a Payment page is displayed.

      • Select the bill payment to cancel.

      • The Payment Details page is displayed.

      • Select "Cancel Pmt."

      • The Cancel Bill Payment page is displayed.

      • The "Are you sure you want to cancel this payment?" message is displayed. Select "Yes."

      • The Cancellation Confirmation page is displayed.

        • Select "Back" to return to the payee list.

        • Select "Menu" to return to the Main Menu.

        • Select "Log Off" to close Mobile Banking.

      How to Transfer Funds

      • Log in to Mobile Banking using your current Internet banking login.

      • The Main Menu page is displayed.

      • Select "Transfer Money."

      • The Transfer Money page is displayed.

        • Establish the following:

          • Transfer From: select the account to debit for the transfer.

          • Transfer To: Select the account to credit for the transfer.

          • Amount: Enter the amount of the transfer.

      • The Transfer Amount page is displayed.

      • Enter the transfer amount and select "Next."

      • The Confirm Transfer page is displayed.

      • Select "Yes."

      • The Transfer Confirmation page is displayed.

      • Select "Menu" to return to the Main Menu.

      • Select "Log Out" to close Mobile Banking.

      How to Locate ATM or Branch Locations

      • Log in to Mobile Banking using your current Internet banking login.

      • The Main Menu page is displayed.

      • Select "Find ATM/Branch."

      • The ATM & Branch Search page is displayed.

        • Select "Search by Current Location," "Search by Address," or "Search by Category."

        • Enter the appropriate search criteria and select "Search."

      • The Search Results page is displayed.

      • Select the appropriate ATM or branch.

      • Details for the ATM or branch are displayed.

      • Select "Map It" for directions to the ATM or branch.

      • A map displaying the location of the ATM or branch is displayed.

      • Select "Menu" to return to the Main Menu page.

      • Select "Log Out" to close Mobile Banking.

      Express Banking

      The four drive up Express Banking devices are located in Omaha and in Council Bluffs:

      Omaha:

      80th & Dodge

       1412 Harney St. (Downtown Omaha)

      4521 Leavenworth (Saddle Creek)

      Council Bluffs:

      26th & Broadway

      The Express Bankers will be "live" on screen:

      • 7 AM to 7 PM weekdays
      • 8 AM to 1 PM on Saturdays
      • (Except holidays)

      Express Banking is simple and easy. Here's how:

      1. To start, simply touch the screen.

      2. Select your language you want.

      3. Choose the level of privacy you are comfortable with choosing between:
        - the built-in sound system
        - your own earbuds
        - the chat feature on the screen

      4. You will be asked to provide your account number or the last 8 digits of your debit card. If you do not have that information readily available, place your ID in the machine to be scanned.

      Express Banking works just like a traditional teller, except you don't even need deposit or withdrawal tickets. The transaction is immediately posted in most cases.

      For every transaction you will receive a receipt, and if it was a deposit, it will include copies of the checks that were cashed or deposited. The routing number and account number will be masked for privacy.

      That's all there is to it!

       

      PERSONAL: Credit Cards

      What makes the Chip Card different?

      Your card comes with an encrypted microchip embedded in the card. The microchip provides an enhanced layer of security to your transactions.

      How is a Chip Card more secure?

      The embedded microchip provides unique data specific to your card and the transaction being processed. These security features make your new chip card extremely difficult to counterfeit.

      The Chip Card technology will not prevent data breaches from occurring, but it will make it much harder for criminals to use your card information.

      Why are cards being upgraded with the chip?

      Chip technology is already in use in other countries and is now coming to the U.S. Your chip-enabled card provides an extra level of security and is easier to use at places already chip ready.

      Can I use my card for everyday transactions or at non-chip terminals?

      Yes! Your Chip Card will also have the usual magnetic stripe on the back so you can use your card at ATMs and non-chip terminals while merchants in the U.S. are transitioning to new terminals.

      How do I use the Chip Card at ATM or chip terminals?

      Instead of going to a register and swiping your card, you are going to insert your card into a terminal slot and wait for it to process. It is important to leave the card in the terminal until the transaction is complete. If you remove the card too soon, the transaction will end and your purchase will not be processed. For sales transactions, the terminal will display your purchase amount.

      The ATM will require you to enter a PIN. The point of sale terminal may require you to sign your sales receipt or input your PIN to complete your purchase.

      When your transaction is complete, it is important to remember to remove your card.

       

      PERSONAL: Financial Protection

      American National Bank is committed to offering information and resources to make sure this crime doesn’t happen to you or a loved one.

      What is financial elder abuse?

      Financial elder abuse is the theft or embezzlement of money or any other property from an elder. It can be as simple as taking money from a wallet and as complicated as manipulating a victim into turning over property to an abuser.

      Where is financial elder abuse taking place?

      Elder financial abuse can occur anywhere – in the home, in nursing homes, or in other institutions. It affects seniors and vulnerable adults across all socio-economic groups, cultures, and races. (Source: NBA How to Stop Elder Abuse & Exploitation)

      A growing problem

      According to a recent Investor Protection Trust poll, nearly 1 out of 5 U.S. seniors are hit by financial scams and 17 percent of Americans aged 65 or older have been taken advantage of financially, representing more than $3.0 billion in losses annually.

      Who are the perpetrators?

      Family members, including sons, daughters, grandchildren, or spouses. They may:

      • Have substance abuse, gambling or financial problems.
      • Stand to inherit and feel justified in taking what they believe is "almost" or "rightfully" theirs.
      • Fear that their older family member will get sick and use up their savings, depriving the abuser of an inheritance.
      • Have had a negative relationship with the older person and feel a sense of "entitlement."
      • Have negative feelings toward siblings or other family members whom they want to prevent from acquiring or inheriting the older person's assets.

      Predatory individuals who seek out vulnerable seniors with the intent of exploiting them. They may:

      • Profess to love the older person ("sweetheart scams").
      • Seek employment as personal care attendants, counselors, etc. to gain access.
      • Identify vulnerable persons by driving through neighborhoods (to find persons who are alone and isolated) or contact recently widowed persons they find through newspaper death announcements.
      • Move from community to community to avoid being apprehended (transient criminals).

      Unscrupulous professionals or businesspersons, or persons posing as such. They may:

      • Overcharge for services or products.
      • Use deceptive or unfair business practices.
      • Use their positions of trust or respect to gain compliance.

      Who is at risk?

      The following conditions or factors increase an older person's risk of being victimized:

      • Isolation
      • Loneliness
      • Recent losses
      • Physical or mental disabilities
      • Lack of familiarity with financial matters
      • Have family members who are unemployed and/or have substance abuse problems

      Why are the elderly attractive targets?

      • Persons over the age of 50 control over 70% of the nation's wealth.
      • Many seniors do not realize the value of their assets.
      • The elderly may be more likely to have disabilities that make them dependent on others for help. These "helpers" may have access to homes and assets, and may exercise significant influence over the older person.
      • They may have predictable patterns (e.g. because older people are likely to receive monthly checks, abusers can predict when older people will have money on hand or need to go to the bank).
      • Severely impaired individuals are also less likely to take action against their abusers as a result of illness or embarrassment.
      • Abusers may assume that frail victims will not survive long enough to follow through on legal interventions, or that they will not make convincing witnesses.
      • Some older people are unsophisticated about financial matters.
      • Advances in technology have made managing finances more complicated.

      (Source: National Committee for the Prevention of Elder Abuse-NCPEA)

      Know the scenarios According to the Nebraska Bankers Association, common abuse scenarios include:

      • Misappropriation of income or assets - Perpetrator obtains access to an elder's Social Security checks, pension payments, checking or savings account, or credit or debit card, or withholds portions of checks cashed for an elder.
      • Excessive rent or fees for service - Perpetrator charges an elder excessive rent or unreasonable fees for basic care services such as transportation, food, or medicine.
      • Money or property obtained by undue influence, misrepresentation, or fraud - Perpetrator coerces an elder into signing over investments, real estate, or other assets through the use of manipulation, intimidation, or threats.
      • Improper or fraudulent use of the power of attorney or fiduciary authority - Perpetrator improperly or fraudulently uses the power of attorney or fiduciary authority to alter an elder's will, to borrow money using an elder's name, or to dispose of an elder's assets or income.
      • Pigeon drop - Perpetrator claims to have found a sum of money and offers to split it with an elder provided the elder first withdraws an amount equal to his or her share as a sign of good faith.
      • Fake accident ploy - Perpetrator convinces an elder that the elder's child has been seriously injured or is in jail and needs money for medical treatment or bail.
      • Telemarketing and mail fraud - Perpetrator persuades an elder to buy a valueless or nonexistent product, donate to a bogus charity, or invest in a fictitious enterprise.
      • Fake prizes - Perpetrator tells an elder that he or she has won a (nonexistent) prize and either asks the elder to send a check to pay the taxes on the prize or obtains the elder's credit card or checking account number to pay for shipping and handling charges for the prize.
      • Unsolicited work - Perpetrator arrives unexpectedly at an elder's residence and offers to perform work for a reasonable fee; after starting the work, the perpetrator insists that the elder pay more than originally agreed before the work will be completed.

      Additional Resources 14 Red Flags for Elder Financial Abuse
      http://www.aba.com/Engagement/Documents/OlderAmericansTipSheet_Financial.pdf

      7 Tips to Help Older Adults Choose the Right Caregiver
      http://www.aba.com/Engagement/Documents/OlderAmericansTipSheet_Caregiver.pdf

      Protecting the Elderly from Financial Abuse
      http://www.aba.com/Consumers/Pages/ProtectingTheElderly.aspx

      Is a Joint Bank Account Right for Me?
      https://www.aba.com/Engagement/Documents/ABAAARPJointAccounts.pdf

      Don’t Fall Victim to the Grandparent Scam
      http://www.aba.com/Engagement/Documents/OlderAmericansTipSheet_GrandparentScam.pdf

      5 Ways to Spot a Lottery Scam
      http://www.aba.com/Engagement/Documents/OlderAmericansTipSheet_Lottery.pdf

      Planning for Diminished Capacity
      http://files.consumerfinance.gov/f/201505_cfpb_consumer-advisory-and-investor-bulletin-planning-fordiminished-capacity-and-illness.pdf

      Contact Nebraska Health and Human Services at 800-652-1999
      http://dhhs.ne.gov/children_family_services/Pages/nea_aps_apsindex.aspx

      Contact Iowa Health and Human Services at 800-362-2178
      http://dhs.iowa.gov/report-abuse-and-fraud

      Contact Minnesota Health and Human Services at 844-880-1574
      http://mn.gov/dhs/people-we-serve/people-with-disabilities/services/adult-protection/