Accessing Bank OnLine

To log in to Bank OnLine follow these steps:
1. Access the Internet.

2. Go to our website: www.americanbank.com

3. Click on Login to Bank OnLine and Bill Pay at the upper left hand corner of the web page to access the login screen.

American Bank has employed the latest security standards to ensure that your Bank OnLine session is secure. In addition, the system itself has built-in features to protect your private information. For example, you will notice when you are logged in that your account number is not displayed on the Bank OnLine screens.

4. On the log in screen, enter your User Name and random code provided, then click on the "Next" button.

You will receive a Welcome Kit that will explain your User Name and Password to you after you register for Bank OnLine. You should receive this information within 7 days of your registration. If you forget or lose this information, you may call our Customer Service DirectLine at 361-992-9911 (Corpus Christi), 361-749-7711 (Port Aransas), 512-328-0999 (Austin), 361-645-3220 Goliad / Victoria or 1-800-257-8316 (toll free outside these areas) on business weekdays from 7 a.m. to 6 p.m.

Menus
The Bank OnLine main drop-down menus includes the Accounts, Transfers, Messages/Options, and Help. Within each drop-down menu option, you have access to additional functions. For example, under the Accounts menu, you can access your Account Balances, Transaction History, Account Details, Account Statement or Account Alerts.

Account Balance
The Account Balance screen displays all accounts that are registered with Bank OnLine. Deposit accounts are listed first. The Available Balance column indicates the net aggregate effect of today's real-time transactions on the current balance. The Current Balance column indicates the balance in the respective account as of the close of the previous day's business.

If you have loan accounts registered for Bank OnLine access, you can see any available credit or the current balance.

Transaction History
The Transaction History screen displays all transactions for the selected account including a running balance based on your available balance. You can use the advanced functionality to customize the transactions history.

Account Details
The Account Details screen allows you to review detailed information about your accounts, such as the net effect of today's transactions, uncollected funds (float) and overdraft availability. If your account is interest bearing, you can review interest and rate information as well.

To review another account, simply select another account from the pick list of registered accounts that will appear in the account window when you click on the arrow to the window's right. The same page will reload, showing the information related to the new account you just selected.

E Statements
The E Statements screen enables you to review and/or download an image of your monthly account statement.

Transfers
The next major function, Transfers, allows you to move funds among registered Bank OnLine deposit accounts at American Bank. To do so, click on the arrow to view the pick list and select the From account to transfer from. Then click on the arrow to view the pick list and select the To account to transfer from. Then place your cursor in the Amount field and key in the amount you want to transfer. Next, enter the date of the transfer and specify if you want to make this a recurring transfer. Lastly, ener your password for additional security and click on the "Submit" button.

You will be prompted to confirm the transfer transaction you are requesting. If you are satisfied with the information, click on "OK."

Messages
The Bank OnLine system offers a messaging function that allows you to send secure messages to American Bank. We recommend that you never use non-secure e-mail to transmit any personal or account information to the bank, as it is possible for someone to intercept or view that communication.

From the messages screen

To generate a new message to American Bank, simply click on the "New Message" button. These messages go to a centralized distribution point that will route them to the appropriate area of the bank, so please indicate in the Subject box what the message is concerning and/or to whom it should be sent. Then, move your cursor to the blank box to begin typing your message.

When you have finished typing your message, click on the "Submit" button to submit your message to the bank. Also, on the messages screen, you can review or delete messages you recieved or sent.

Options

Change Password
This allows you to modify your own password any time you want. It is a good security procedure to change your password frequently.

To change your password, first enter your current password, then place your cursor in the "Enter new password" field and key in a new password. Then place your cursor in the "Re-enter new password" field and key in the same new password again. When you have keyed in your new password twice, click on the "Submit" button to update your password. Your new password will be effective immediately.

Your Bank OnLine password must be between 6 and 18 characters long and should contain both letters and numbers. All alphabetic characters will be case sensitive.

NOTE: Once you have changed your password, we are unable to tell you what it is if you forget it. We can, however, reset a forgotten password to the original formula-driven password. Then you can change it once again to anything of your choice, within the guidelines for password selection.

History Preferences
You have the option to view your history in one of two ways:

• History grouped by debits and credits

• History grouped in date sequence with running totals

How to set-up History Options

• Go to Messages/Options and click on History Preferences

• Click on the radio button next to the history option you prefer. Input the number of days of history you would like to see by default.

• Click on “Submit”

Logging Out
It is very important to properly log out of every Bank OnLine session. To do so, click on the "log out" link on the upper right-hand side of any page. This helps prevent unauthorized access to your accounts.

Getting Help

Using Online Help
Online help can be accessed at any time by clicking on the Help menu.

Contacting Bank OnLine Customer Service
Bank OnLine Customer Service is available in two ways: through secure online e-mail messages and via the telephone. By phone, we are available to help you Monday-Friday business days from 7 am to 6 pm, Central Time. In Corpus Christi, call 992-9911; in Port Aransas, call 749-7711; in Rockport, call 361-727-9955; in Austin, call 328-0999, in Goliad / Victoria call 361-645-3220 and outside those areas, call 1-800-257-8316 (toll-free).

To send a secure e-mail message to Bank OnLine Customer Service, see the Messages section of this User's Guide for directions.