American Bank joins Prosperity Bank
Although the bank name will be changing, our commitment to building meaningful client relationships and delivering exceptional service will continue.
What to expect
We’re excited to share that we officially merged with Prosperity Bank on January 1, 2026. This merger allows American Bank to be part of a larger community bank with many more locations across Texas, and the capacity and flexibility to serve a broader base of clients with varied credit, treasury, wealth and mortgage needs.
What does this mean for me?
As of now, nothing is changing for you. Your American Bank account number and account terms will remain the same, and your debit card and ACH payments will continue to work as they do today.
Teams from both of our banks are currently hard at work to ensure a smooth transition for all American Bank clients. Once we are fully integrated, you will gain access to nearly 300 Banking Centers across Texas and Oklahoma. The operational conversion is scheduled for September 2026.
For more information, please refer to the FAQs section.
Prosperity Bank is a Texas-based bank that provides traditional banking services for individuals and businesses, including commercial and personal loans, mortgage services, trust services, retail brokerage services and cash management.
We simplify the everyday financial needs of our customers and believe in building genuine relationships, providing positive experiences at every touch point and backing customer information and financial records with the highest level of security.
At Prosperity Bank, you’ll find knowledgeable associates ready to serve with accuracy and a smile, and we proudly care for each of the communities we serve.
We simplify the everyday financial needs of our customers and believe in building genuine relationships, providing positive experiences at every touch point and backing customer information and financial records with the highest level of security.
At Prosperity Bank, you’ll find knowledgeable associates ready to serve with accuracy and a smile, and we proudly care for each of the communities we serve.
Decisions on any potential banking center closures will be communicated over the coming months.
Yes. All locations will be referred to as Prosperity Bank, but the name and signage will not change until September 2026.
Not currently. We will need to align our operating systems and product platforms first. You may begin transacting
business at Prosperity Bank’s banking centers after the operational conversion scheduled for September 2026. We
will notify you once the integration of our banks is complete. Until then, you should continue to use American Bank
branches to conduct your banking business.
business at Prosperity Bank’s banking centers after the operational conversion scheduled for September 2026. We
will notify you once the integration of our banks is complete. Until then, you should continue to use American Bank
branches to conduct your banking business.
Effective January 5, 2026, American Bank clients can begin using Prosperity Bank ATMs surcharge-free.
Yes. You can continue to use your remaining supply of checks and deposit slips until depleted.
Your CD and IRA rates and terms will remain in effect through maturity.
We will continue to honor the rates, terms, and conditions on your CD until maturity. As each CD reaches maturity, you will be able to renew at a variety of rates and terms offered at that time.
No. Your direct deposit, ACH, and automatic payments/transfers will continue without interruption. Any changes will be communicated prior to conversion.
Yes. Recurring transfers will continue as they do today without interruption. Any changes will be communicated prior
to conversion.
Please continue making your payments as you do today. As we approach the September operational conversion, we
will provide additional details and guidance to ensure a smooth transition.
No changes are happening right now. We will provide additional details as we get closer.
When two or more insured banks merge, deposits from the assumed bank (American Bank) are separately insured from deposits at the assuming bank (Prosperity Bank) for six months after the merger. This grace period provides a depositor the opportunity to restructure their accounts, if necessary.
CDs from American Bank are separately insured until the earliest maturity date after the end of the six-month grace period. CDs that mature during the six-month period and are renewed for the same term and in the same dollar amount (with or without accrued interest) continue to be separately insured until after the first maturity date after the sixmonth period. If a CD matures during the six-month grace period and is renewed on any other basis, it will be separately insured only until the end of the six-month grace period.
If your combined deposits at both institutions exceed the $250,000 limit, they will be separately insured for six months from the effective date of January 1, 2026.
CDs from American Bank are separately insured until the earliest maturity date after the end of the six-month grace period. CDs that mature during the six-month period and are renewed for the same term and in the same dollar amount (with or without accrued interest) continue to be separately insured until after the first maturity date after the sixmonth period. If a CD matures during the six-month grace period and is renewed on any other basis, it will be separately insured only until the end of the six-month grace period.
If your combined deposits at both institutions exceed the $250,000 limit, they will be separately insured for six months from the effective date of January 1, 2026.
At Prosperity Bank, we value our customers and communities. Our local bankers are committed to personalized service and community support across Texas and Oklahoma, and we look forward to serving you. As we come together, our priority is to ensure a smooth transition.
Contact the same people you contact today. You can reach out to your banking team, stop by any American Bank branch, contact Treasury Management support, or call Client Services.
