The answers you need.
- Bank OnLine & Mobile Banking
- Bank OnLine & Mobile Banking Latest Upgrade
- Mobile Deposit
- Bill Pay
- Text Banking
- Online Statements
- Total Snapshot
- Online Account Opening
- Online Wire Transfer Request
- Risk and Fraud Analytics
- User's Guides
- Your Choice Checking Account Features Editing Tool
- 24-Hr. Bank-By-Phone
- U.S. Savings Bonds
- ATM Deposits
- New Chip Check Card
- Check Card Fraud Alerts
- Holiday Schedule
- Routing Number
What can I do with Bank OnLine and Mobile Banking?
Bank OnLine and Mobile Banking have been designed to give you consistent access to your American Bank accounts using any Internet-enabled device. From any device, you can access your accounts to view current and available balances, set up transfers to both internal and external accounts, make deposits, pay bills, access online statements, find and get directions to American Bank branch and ATM locations, securely communicate with American Bank, submit stop payment requests, reorder checks, manage your total financial picture using our Total Snapshot product and more!
Bank OnLine and Mobile Banking also offer many commercial banking functionalities including ACH Payments, ACH Receipts, Payroll, Positive Pay, Online Wire Requests and more.
Are Bank OnLine and Mobile Banking secure?
Yes. The security of your online accounts and banking information is taken seriously and is given the highest priority. All components of the electronic banking systems are designed, from the start, with security in mind. To protect your information as it travels through the Internet, all communication is safeguarded by multiple, overlapping layers of security.
For example, when using Bank OnLine, one of the key security components is to send communication through a dedicated set of hardware and software between the Internet and American Bank’s network. This is called a firewall. The firewall inspects all traffic that passes through it. If the information fails any security checks, it is prevented from passing through the firewall in either direction. Your banking information is also protected by Secure Socket Layer (SSL) security. SSL is a method of encoding or encrypting information and data so that only the intended recipient can decode it. To check for security, right click (Windows) or Control-click (Macintosh) on the page, and on the pop-up window select 'Properties.' This will show you that the page is secured with SSL encryption.
For additional information on how we protect you and how to protect yourself, please visit the Security Center.
What do I do if I’m locked out of Bank OnLine or Mobile Banking?
Call Customer Service DirectLine at (800) 257-8316 from 7 am to 6 pm Central Time, Monday through Friday, with the exception of bank holidays. They can assist with password resets if you were locked out due to too many unsuccessful log in attempts. Access to your electronic banking services may also be removed if you become inactive as a result of not logging in at least once every 90 days. Customer Service can assist with re-establishing your services in this situation as well, or you can re-register online using the e-registration process available on our website.
How do I set up and use alerts through Bank OnLine and Mobile Banking?
Alerts are an important part of your Bank OnLine and Mobile Banking security. With Account Alerts, you can set-up phone or text alerts for various situations for each of your accounts. For example, you can set-up an alert to be sent to you when a particular check clears, when your account is logged into, or if your account goes below or above a certain balance. There are many types of alerts including Account Alerts, Date Alerts, History Alerts and Transaction Alerts. You can set up the alerts to be sent on every occurrence, or just the first occurrence of the event happening, depending on your preferences. As there are conditions that may affect the reliability of alerts, Account Alerts should not be solely relied upon for account information.
To set up and manage alerts, log into Bank OnLine or Mobile Banking and click or tap on ‘Settings’ > ‘Alerts.’ From the Alerts page, you can create a new alert, enable or disable an existing alert, or edit an existing alert.
Enabled alerts are triggered and sent automatically, based on the criteria you have identified. With business accounts, alerts set up under one user are not shared with any other users on the account.
If your alert is set up to be delivered by e-mail, the e-mail will come from "Notifications@AmericanBank.com". If you are unsure which alert has been triggered, you can go to the Alerts page and review your established alerts.
With the latest version of online banking, whether you’re accessing account information at your desktop or on the go with a mobile device, the look and feel is consistent. It’s a fresh, modern design. Navigation is fast and simple, and looks familiar, no matter which device you’re using.
If you haven’t upgraded to the latest version, do so today. If you have a compatible browser, you will be presented with a banner with several upgrade options when you log in to Bank OnLine. Select ‘Upgrade Now’ when prompted. You’ll be glad you did!
The following FAQs are designed to help as you explore the latest in electronic banking.
Tell me about the latest version of Bank OnLine.
- Its modern design makes it faster and easier to use.
- There’s a dashboard screen, where you can easily find your most commonly used features.
- Your dashboard also includes quick action links that will take you directly to Bill Pay (for Personal Bill Pay customers), funds transfers, or mobile deposits. It also shows you any transactions requiring your approval.
- The Search feature helps you quickly find your most important information.
- Personal Bill Pay makes paying a bill online simple and fast.
- And, no matter how you are accessing Bank OnLine information (computer, tablet or smartphone), the screens, workflows, navigation and information are presented in a consistent way.
Are there any additional features for business Bank OnLine customers?
Yes. There is enhanced commercial payments functionality and template management to help streamline the process for commercial transactions. Authorized business users can search, edit, create and delete templates while in one environment (like at a computer), and have the results available on all their supported devices (like on their smartphone or tablet app).
User management is streamlined and flexible. Business Administrators (Super Users) can create multiple users within their organization, with the flexibility to mirror how their business works. And Administrators can see their user accounts as cards in a grid view or in a list view, simply depending on preference. Additionally, managing users and user rights is centralized on a single User Management page, making the Administrators tasks less complicated, and reducing their workload.
What do I need to do in order to start using Bank OnLine?
First, your computer browser must be compatible with the new system. This applies to any computer you plan to use for online banking. See the “Which browsers are compatible with the new Bank OnLine?” section for more information about specific browsers. Below that, there are also FAQs about how to determine which browser you have and how to update your browser to the most current version.
For all personal account customers, and business customers who do not use Cash Management services:
If your browser is compatible and you’re NOT already a Bank OnLine user, you will need to register for electronic banking services. For personal accounts, you can do so on the bank’s website, using the ‘Enroll Now’ link in the red Bank OnLine box in the upper left corner of the homepage. Business accounts should contact a Personal Banker.
If your browser is compatible and you’re already a Bank OnLine user, but have not upgraded to the latest version, simply select ‘Upgrade Now’ next time you are prompted at login and you will be upgraded to the latest version of Bank OnLine.
For business customers using Cash Management services:
If your browser is compatible and you’re NOT already a Bank OnLine user, contact a Personal Banker to register for electronic banking services. If your browser is compatible and you’re currently using Bank OnLine: The latest version of Bank OnLine will become available to you at a later date. At that point, you will receive information about how to transition.
Which browsers are compatible with the newest Bank OnLine?
The newest online banking experience is compatible with a wide variety of browsers. The only requirement is that your browser must be HTML5 compatible. If it isn’t, we recommend updating your browser to the latest version available – not just to ensure compatibility with the online banking experience, but also to ensure that your online banking is as secure as possible. This applies to any computer you plan to use for online banking.
See the FAQ “What are the user requirements?” for all the details about browsers.
How do I determine which browser version I have?
Each browser has its own unique setup, however, the browser version you are currently using can generally be found in the Tools section. For example, in the Settings tool for Internet Explorer, you can find the browser version by clicking on “About Internet Explorer.”
What if my browser is not compatible?
Having a compatible browser is required. You can’t access the latest version of Bank OnLine or any of its related services unless your browser meets the minimum requirements. See the FAQ “What are the user requirements?” for all the details.
How do I update my browser?
A browser’s security improves with each release, so don’t miss out. No matter which browser you use, make sure you have installed the latest version. Visit the Security Center on our website to access links to the most current versions of browsers: https://www.americanbank.com/security-center/security-browser-info#UpdateYourBrowser.
What will happen if I try to log in from my computer without a compatible browser?
For personal account customers and all business account customers except those with Cash Management services:
At this time, you will continue to have access to the old Bank OnLine system. At a future time, we will require all personal account customers to convert to the updated version and at that point, anyone who does not have an up-to-date browser will be presented with a message stating that their browser is not current, and they will no longer be able to access Bank OnLine, Bill Pay or any of the related services until their browser is updated. That’s why it’s so important to check your browser now and, if needed, follow through on downloading the most current version as soon as possible.
For business customers with Cash Management services:
You will continue to access the previous version of Bank OnLine. At a later time, Cash Management customers using ACH Origination services will go through a notification and transition process. At the same time, our Cash Management staff will be working with ACH Origination customers to achieve an orderly transition for them. At some point, once our Cash Management staff has completed training and working with ACH Origination customers to move them, the old system will no longer be available. If you have not upgraded your browser by that time, you will be unable to access Bank OnLine, Bill Pay or any of the related services until your browser has been updated.
What are the user requirements for Bank OnLine?
You must have a valid e-mail address and telephone number. If you use a computer to access the system, it must meet the following minimum requirements:
- Standard PC or Macintosh® (at least 1-GHz processor and 1 GB of RAM)
- An up-to-date browser (meaning that all recent browser updates have been applied) for improved security and greater anti-virus and spyware protection
- Microsoft® Windows® 7/8/Vista SP2 or Mac OS X
Note: Microsoft stopped providing support, including security updates, for Windows XP and XP-compatible Internet Explorer (IE) in April 2014. XP users who have not upgraded their operating systems should replace IE with Google Chrome for an up-to-date, secure Internet browser.
- Cable, DSL or ISDN Internet connection (dial-up supported for basic consumer users only)
Note: Satellite cable connections often have difficulty supporting encrypted (HTTPS) applications. Since Bank OnLine is HTTPS encrypted for the safety of your financial information, some satellite cable connections may exhibit slow responses.
Recommended browsers (to get the ideal, most secure experience):
|Recommended||Provides the ideal experience|
|May create a slightly different appearance or behavior|
The following tables list recommended and minimally-compatible browsers. Blank spaces indicate incompatibility:
|Browser||Windows XP||Windows 7 & Vista Service Pack 2+||Windows 8|
|Microsoft Internet Explorer® 7-8|
|Microsoft Internet Explorer® 9.X|
|Microsoft Internet Explorer® 10.X|
|Microsoft Internet Explorer® 11.X|
|Mozilla Firefox® 21|
|Mozilla Firefox® 22-23|
|Mozilla Firefox® 24-current version|
Note: The new Bank OnLine is not compatible with Safari® on Microsoft Windows, as Apple has discontinued development of security patches for Windows. Bank OnLine is compatible with Safari on Mac OS X 10.8.
|Mac OS X 10.6 - 10.9 browsers|
Mozilla Firefox® 12-23
Mozilla Firefox® 15-23
Mozilla Firefox® 21-23
|Mozilla Firefox® 24-27|
Google ChromeTM 19-22
Google ChromeTM 23-27
Google ChromeTM 28-29
|Google ChromeTM 30-current version|
Will my login change when I upgrade to the latest version?
No, you'll still be able to access Bank OnLine via your browser OR your mobile app using your existing log in credentials.
Will my account history still available?
Yes. All of your account history will be carried over to the new experience. The overall look and feel of account history, as well as the searching/filtering functionality, will be different but your data hasn’t changed.
I have set up several alerts. Will those transfer over?
Yes, your current alerts are carried over.
What should I know about secure messaging?
In the latest Bank OnLine, secure messaging is available through an option in the menu. In the new version, we’ve added threaded messages (you can see the communication between you and the bank similar to how your text messages are presented) too, and you have the ability to delete multiple messages at one time.
How can I get help?
There is a Help button available in the Menu.
I’m not currently a Bank OnLine user. How can I sign up?
For personal customers:
Go to www.AmericanBank.com. In the upper left corner of the homepage, you’ll see a red Bank OnLine Login box. Click on ‘Enroll Now’ and follow the instructions.
For business customers:
Please see a Personal Banker at any of our branch locations, or contact Customer Service.
You'll receive a welcome e-mail when your registration is complete. Download the appropriate Mobile Banking app on your phone and/or tablet, and log in.
What should I know about Personal Bill Pay?
It’s easy to navigate and user-friendly. All the basic functions are integrated into the computer and mobile device systems. Some specific types of activity, like using your Bill Pay Calendar, managing pay from accounts, modifying personal and security information, editing Bill Pay alerts and managing Payee categories are not available in Mobile Banking but can be accessed via a link in the computer-based version of Bank OnLine. This is a security feature.
There's a dashboard screen that allows you to:
- View and manage your payees
- Schedule payments in one click
- Monitor your payment activity
- Review your pending transactions and payment history
You’re also able to personalize your dashboard for the way you want to see payee information: either in a card view (for phone or tablet) or a list view (for computer and tablet).
When you log in to the full Personal Bill Pay site, there is a demo available to help familiarize you. And there’s a Help tab to make it easy to find answers to your questions anytime you’re using the Bill Pay service.
Bill Pay customer service representatives are available by secure e-mail, phone and live chat, should you need assistance.
For more information, watch the demo for Personal Bill Pay.
What is the status of Business Bill Pay?
Access to Business Bill Pay and functionality have not changed. Business Bill Pay is not currently available from within the Mobile Banking apps.
Will my Bill Pay payees transfer to the newest Bill Pay version?
Yes. All your payees will be available when you log in to the latest version of Bank OnLine for the first time.
I have set up categories for my payees. Will those transfer over?
What about my scheduled payments?
All scheduled payments will move over too. So regardless which version of Bill Pay you use (Personal or Business), your scheduled payments will continue without interruption.
Am I able to see the history of my payments?
Yes, the history of your payments will be up-to-date.
I haven’t been using Bill Pay. How can I get it?
If you are a personal account customer and are already a Bank OnLine user: just click on the 'Enroll in Bill Pay' link in the right sidebar on your dashboard screen in Bank OnLine or Mobile Banking to register for Personal Bill Pay.
If you are a personal account customer but not yet a Bank OnLine user: just register for Bank OnLine (see “I’m not currently a Bank OnLine user. How can I sign up?” under the Bank OnLine section above). When you receive your welcome e-mail and log in to Bank OnLine or Mobile Banking for the first time, click on the ‘Enroll in Bill Pay’ link in the right sidebar on the dashboard screen.
For business account customers: contact any Personal Banker, or our Cash Management Sales team at (800) 725-9980 x 5295 to register for Business Bill Pay. Business Bill Pay users must be authorized by a signer on the account or the company’s Bank OnLine administrator (Super User ) for access to Bill Pay.
Mobile and Text Banking
Can I get the latest mobile experience on my phone/tablet?
Absolutely. There are smartphone and tablet apps for Apple® and Android devices that have the same look and feel as the computer version of Bank OnLine.
If you’re already a Mobile Banking user, but don’t have the auto-update feature enabled, the first time you open (or opened) your existing app after the new apps were released by the app stores, you were or will be prompted to download the new version. The appropriate app (for phone or tablet) was/will be loaded automatically.
If you are not yet a Mobile Banking user you will need to register for electronic banking services. Once you are registered, you can log in to your mobile device with the same credentials as you would the desktop. No additional registration or set up is needed for Mobile Banking.
If you’re on a platform other than Android or Apple, you can always access Bank OnLine through your mobile browser, if it is HTML5-compatible. The screens will look like a regular website page rather than like the apps, however. You can determine if your browser is HTML5-compatible by looking at the browser specifications. While there are too many compatible browsers to list them all, it may help to know that Internet Explorer 10 and higher, as well as the latest version of Google Chrome, are included.
What are the features of the tablet apps?
The tablet app was designed specifically for tablets. In fact, its design led the way for the design of all the mobile and computer-based online banking screens. Here are some of the features:
- A dashboard screen, with lots of content on it.
- The gestures and touchscreen capabilities of your device are put to full use.
- You’re able to do almost everything in Bank OnLine on your tablet that you can do on your computer.
- Just like your phone app, you’re able to pay bills (for Personal Bill Pay only at this time).
- And you can do something with your tablet that you can’t do with the computer version of Bank OnLine: make a deposit.
What are the newest features of Mobile Banking?
There are several exciting features:
- A faster secure login process using just a touch (for Apple devices with Touch ID).
- You can pay bills from your Mobile Banking app. (Mobile Bill Pay is available with Personal Bill Pay only, at this time.)
- A dashboard contains all your most commonly used features.
- The dashboard also includes quick action links that take you directly to Bill Pay (for Personal Bill Pay customers), funds transfers and mobile deposit, and it displays any transactions requiring your approval.
- The Search function allows you to find information in your history much faster.
- The design takes full advantage of the touchscreen capabilities of your tablet or phone.
- You can view your online bank statement, perform stop payment requests and reorder checks.
- The branch and ATM locator is interactive, providing you with step-by-step directions to the closest American Bank location.
- And, you can make deposits directly from your tablet or phone, using the device’s camera.
What are the browser requirements?
Your browser must be compatible with the new system. This applies to any computer you plan to use for online banking. See the“Which browsers are compatible with Bank OnLine?” section for more information about specific browsers. Below that, there are also FAQs about how to determine which browser you have and how to update your browser.
What are the user requirements?
Our apps function best when your GPS or native mapping app is enabled.
Mobile devices with the following features are not compatible with the Mobile Banking apps:
- Operating system: iOS (versions earlier than 5.0) or Android (versions older than 2.3), Windows® Phone, Blackberry®, Kindle FireTM
- Camera (megapixels): Less than 1.9 megapixels
The following operating systems, resolutions, and connections are compatible with the newest version of Bank OnLine:
|Recommended||Provides the ideal experience|
May create a slightly different appearance or behavior
|Operating System Version||Compatibility|
|2.3 - 3.9|
|4.0 - current version|
|Operating System Version||Compatibility|
Note: Apps are compatible with Apple iPhone 4 or newer models.
|1024 x 768 or higher|
|Rear-facing, auto-focus camera (for Mobile Deposit)|
|1.9 - 4.0|
Note: Devices that do not have a rear-facing camera will not support mobile deposits. You must be in an American Bank app to perform mobile deposits. Also, devices that do not have location services or native mapping applications will not support branch/ATM location features.
I don’t currently have Mobile Banking. How can I get it?
Download the appropriate app from your device’s app store. There is an app for phones and an app for tablets, and Apple and Android versions of each are available. (See the FAQ “I’m not currently a Bank OnLine user. How can I sign up?” in the Bank OnLine section above for details. When you’ve registered for Bank OnLine, and received your welcome e-mail, you’ll automatically have access to the mobile banking service as soon as you’ve downloaded the appropriate app.
What is Touch Authentication?
Touch Authentication (for Touch ID-equipped Apple devices) provides fast, secure login using just a touch - rather than entering a username and password to initiate your Mobile Banking session.
How do I use Touch Authentication?
In order to use Touch Authentication, you must enroll by navigating to the Security Preferences menu and completing the enrollment process. You also have the ability to disable this feature by setting the feature to the ‘off’ position. Touch Authentication enrollment is limited to one registered account login ID and credentials per account. It is recommended, however, that any user with Touch Authentication enabled does not allow any other individual’s fingerprints to be enrolled on their device while using this feature because any individuals whose fingerprints are stored on the iOS device could have the ability to authenticate into a mobile banking session and access sensitive data and account functionality.
Can I use my tablet or phone to pay bills?
Yes, you can – without having to log in on your computer. (This feature is available with Personal Bill Pay only, at this time.) See more about the bill payment features under the section titled Bill Pay above.
Can I make deposits using my phone or tablet?
Yes! With the Mobile Banking app’s Mobile Deposit feature activated, you can take pictures of the front and back of a check, using the camera on your phone or tablet*, and make a deposit – from wherever you are. Some qualifications are required and some limitations apply. See the Mobile Deposit section below for details.
* Older tablets without cameras, (like the iPad 1) cannot be used for mobile deposits.
What is Mobile Deposit?
Mobile deposit allows you to use your mobile device's camera to deposit checks directly into your account without visiting a bank location. It allows fast and convenient deposits from anywhere!
Who can use it?
All American Bank Mobile Banking customers are eligible for mobile deposits. Your mobile device must have a rear-facing camera in order to make a mobile deposit. (See the Mobile Banking FAQs above for details on the requirements.)
What does it cost to make a Mobile Deposit?
Mobile deposits are free for all personal accounts. For commercial accounts, the same per deposit item charge applies as with any other item deposited to your account.
Are there any limits on how much I can deposit through Mobile Deposit?
Standard mobile deposit limits are a total of $2,500 per day and $10,000 per month.
How do I get the Mobile Deposit Service?
If you are not already an electronic banking user, you will need to register for that service. Personal customers may enroll online by clicking here: https://www.americanbank.com/personal/banking/online-banking/enroll-now. Business customers should contact Customer Service to enroll.
Once you’re enrolled, or if you are already an electronic banking customer, download the appropriate American Bank Mobile Banking app:
- For iPhone®, iPod Touch®, or iPad® - download the American Bank Mobile Banking App from the App Store.
- For Android devices - download the American Bank Mobile Banking App from the Google Play StoreTM.
Then, log in to the Mobile Banking app on your mobile device and look for the ‘Mobile Deposit-Enroll’ option under ‘Settings.’ You will need to re-agree to our Electronic Banking Agreement and click the ‘Enroll’ button.
How do I make a Mobile Deposit?
To make a mobile deposit, you must use the American Bank Mobile Banking app. The ‘Deposit Check’ link can be found under ‘Transfers and Online Activity’ in the left-hand navigation menu of the app. (If you have enrolled in Mobile Deposit immediately before attempting to make a deposit, you may need to close and re-open the app to have access to the ‘Deposit Check’ link.)
For Mobile Deposit to function, you must have deposit capabilities enabled in Bank OnLine for the account to which you wish to deposit. If you are a Bank OnLine Administrator for a business customer, you will need to enable ‘Deposit’ rights for any user you wish to be able to make mobile deposits. If you are a personal customer and need assistance with this, please contact Customer Service.
When submitting a mobile deposit, you will be required to: endorse the back of the check with “For deposit only” and the account number you are depositing to, enter the account number you are depositing to, provide the check number and the amount for the deposit, and take a clear picture of the front and back of the check. Using all this information, our systems verify the deposit and prepare it for processing. You should retain the paper check for 14 calendar days, and then destroy it by shredding.
When will I have access to the money I have deposited using Mobile Deposit?
Our mobile deposit cut off time is 6 pm on business days (Monday through Friday, excluding holidays). Deposits made by this time will have next business day availability.
How will I know if my deposit was successfully submitted?
You will immediately be able to see full deposit details for each mobile deposit in ‘Deposit Check History’ under the ‘Accepted’ tab in the Mobile Banking app. Deposit details will include a confirmation code and images of the deposited item. This history is available for 30 days. You will also receive an e-mail confirming a successful mobile deposit, sent to the e-mail address in your electronic banking profile. Additionally, this e-mail confirmation will tell you if any adjustment was made to the amount of your mobile deposit.
What if I make a mistake and need to adjust or cancel a Mobile Deposit?
A mobile deposit can’t be modified from your mobile device once it has been submitted, but our staff is available to assist. Please contact Customer Service as soon as you realize you have a mobile deposit error.
What is Bill Pay?
Bill Pay is a service for paying your bills electronically from your American Bank checking account, without writing or mailing checks. All you need is a computer or mobile device with access to the Internet, a current browser and to be a registered Bank OnLine or Mobile Banking user. You can set up your bill payments anytime and payments can be scheduled to be submitted today, a date in the future, or even on a regular basis for months or years from now. You can activate Personal Bill Pay by clicking on “Enroll in Bill Pay” in the right sidebar of Bank OnLine or Mobile Banking.
Business customers can also take advantage of this money- and time-saving convenience by using our enhanced Business Bill Pay product. For more information about Business Bill Pay services, please contact Cash Management at CashManagement@AmericanBank.com or (800) 725-9980 x 5295.
How does Bill Pay work?
Once you are registered for the service, Bill Pay is accessible from within Bank OnLine or Mobile Banking, depending on the Bill Pay version you have. If you are using Personal Bill Pay, you can access it from the Quick Link on the Dashboard or under the ‘Transactions’ tab in the left navigation Menu in either Bank OnLine or Mobile Banking. Business Bill Pay is accessed from ‘Services’ > ‘Business Bill Pay’ in Bank OnLine and links to the full Business Bill Pay site.
Once you have established your Bill Pay profile, you will set up a default 'pay from' account and your list of payees – individuals or businesses that you would normally pay. You can then begin scheduling your bill payments.
Note: Normally, a payee is available for payments right away, but if your new payee has not already been established in the Bill Pay database, your payee will need to be activated before payments can be scheduled. In these cases, you will be unable to schedule a payment until the payee is activated. When you see an 'Activate' button, the payee requires additional verification before you can schedule payments. For security purposes, you will be prompted to select a delivery method and receive a one-time activation code before being able to schedule payments to this payee. The verification process is complete when you see a 'Pay' button associated with the payee. Click it and you will be able to schedule payments to your new payee.
How much does Bill Pay cost?
With the personal Your Choice Checking Account, unlimited Personal Bill Pay is a premium feature that can be selected for only $2.00 per month. However, if you make at least 5 payments during a statement period with your Bill Pay premium feature, a $2.00 credit is applied - making Bill Pay FREE! If the Bill Pay premium feature for $2.00 per month is not selected, Bill Pay can still be used at $0.50 per payment. It is free for all other types of personal checking accounts.
Business customers should contact Cash Management at CashManagement@AmericanBank.com or (800) 725-9980 x 5295 for details about Business Bill Pay.
How do I get signed up for Bill Pay?
In order to access Bill Pay, you must first have an active Bank OnLine or Mobile Banking account. For personal accounts, Bill Pay access will usually be automatically available.
Personal customers can click ‘Enroll in Bill Pay’ from the Bank OnLine/Mobile Banking Dashboard Quick Link in the sidebar to create your Personal Bill Pay profile and begin paying bills immediately. If the ‘Enroll in Bill Pay’ Quick Link does not appear, just contact Customer Service or any Personal Banker for help.
Business customers can contact Cash Management for details about Business Bill Pay at CashManagement@AmericanBank.com or (800) 725-9980 x 5295.
When can I start to pay bills?
As soon as you see the "View All Bills Now" Quick Link on the Dashboard of Bank OnLine or Mobile Banking (for Personal Bill Pay only) screens, you can immediately set up a default 'pay from' account and schedule a payment for a newly-entered payee. If the payee has an "Activate" link next to it, additional action is needed. For security purposes, you will be prompted to select a delivery method and receive a one-time activation code before being able to schedule payments to this payee. Once the payee has been activated, you will see a "Pay" button associated with the payee. You can then begin to schedule your payments.
Who can I contact if I have questions regarding Bill Pay?
If you have questions specific to your bill payments and payees, Bill Pay Customer Service is available toll free at (855) 344-4904. Hours are 6:30 am to 4 pm Central Time, Monday through Friday for Personal Bill Pay customers, and from 6:30 am to 1 am Central Time, Monday through Friday, for Business Bill Pay customers.
Bill Pay Demos:
What is Text Banking?
You can use your SMS-enabled mobile device to quickly access basic account information using text commands.
To add Text Banking to your electronic banking services:
- Log in to Bank OnLine or Mobile Banking.
- Under the ‘Settings’ menu, click on ‘Text Enrollment.’
- Enable the ‘Text Enrollment’ option.
- Enter your cell phone number in the ‘Cell Phone Number’ field.
- Under ‘Account Preferences,’ click the ‘Text’ tab to enable and nickname the accounts you want to use with Text Banking.
You are now able to submit text commands from your mobile device to the vanity code “BANKME” (226563), using one of five simple commands:
- BAL or BAL [account nickname] to receive your account balance (if no account nickname is included, the balances of all your text-enabled accounts will be listed).
- HIST [account nickname] to receive account history.
- XFER [from account nickname] [to account nickname] [amount] to transfer funds between accounts.
- LIST to receive a list of available text commands.
- HELP to receive a list of contact points for information on text banking.
- STOP to stop all text messages to the mobile device (for text banking and SMS alerts/notifications).
How much does Text Banking cost?
While the American Bank Mobile Banking services are currently offered at no charge, if you decide to activate the Text Banking services, you are responsible for meeting all mobile device system and equipment requirements, and for all associated costs and expenses, including, without limitation, all fees you incur for data transfers and as a result of sending and receiving communications, including text messages, through your mobile device service.
Will Text Banking work with my phone?
Use of the code BANKME (226563) has been tested and registered with the following carriers: Alltel, Appalachian Wireless, AT&T, Bluegrass Cellular, Boost Mobile, Cellcom, Cellular South, Centennial Wireless, Cincinnati Bell, Immix Wireless, Inland Cellular, IV Cellular, Nex-Tech Wireless, Nextel Communications, nTelos, Revol Wireless, Sprint PCS, T-Mobile, U.S. Cellular, United Wireless, Verizon Wireless, Virgin Mobile, and West Central Wireless.
How often will I receive Text Messages?
With each query you submit to BANKME (226563), you will receive one response that may be delivered through multiple text messages, depending on the length.
How can I opt-out of Text Banking?
Once you sign up for Text Banking, you can discontinue it by simply texting ‘STOP’ to the vanity code BANKME (226563). This will disable Text Banking and SMS alerts/notifications for Bank OnLine and Mobile Banking.
Is Text Banking Secure?
American Bank’s top priority is the security and privacy of your information and funds. During Text Banking enrollment you will be required to provide nicknames for each Text Banking-enabled account. These will be used to identify your account(s) within the text messages you receive. By using nicknames only, and never displaying account numbers or ownership names, the text message data transmission will not contain identifying information, and security is increased.
Additionally, American Bank Text Banking will never:
- Sell or distribute your cell phone number to third parties or American Bank clients whom you have not approved.
- Directly market to you any services for which you have not opted in, either by cell phone, text messages or e-mail.
- Distribute any personal information about you, including your phone number, name, billing information or any other piece of identifying information.
If you have questions, or to view our full consumer Privacy Statement or our Online Privacy Practices, please visit the website’s Security Center.
Why should I sign up to receive my statements online?
Online statements are a fast, convenient and secure way to receive your monthly bank statements. Plus, they are free! When your statement is ready, you will receive an e-mail notice. Then you can retrieve your statement through Bank OnLine or Mobile Banking - at your convenience. Your statement history is saved securely, for up to five years, beginning with your first online statement. Your online statement will have everything a paper statement does, including item images, notices and regulatory statement inserts.
How do I sign up for online statements?
Any account signer or Bank OnLine Administrator who is enrolled in Bank OnLine or Mobile Banking can register an account for online statements. Once you have enrolled and received your welcome e-mail, simply log in to Bank OnLine or Mobile Banking, agree to the online banking agreement, choose ‘Statement Delivery’ in the ‘Services’ section on the left navigation Menu and follow the set-up instructions.
During the set-up process, you will be required to open a PDF Verification Link, view a verification phrase and enter it into the field provided to demonstrate that you are able to receive and view statements in an electronic format. Because of this requirement, we are not able to set up online statements for you. However, if you have questions or issues completing the online statement registration process, we will be glad to help. Just call our Customer Service DirectLine staff at (800) 257-8316 weekdays from 7 am to 6 pm Central Time (excluding holidays).
How will I know when my online statements are ready?
After registering your account for online statements, you will receive an e-mail notification when your next statement is ready. During online statement set up, you can enter up to three different e-mail addresses where your notifications will be sent. You can change these e-mail addresses at any time by going to the ‘Services’ section in Bank OnLine or Mobile Banking and clicking on ‘Statement Delivery.’
Please note: if an e-mail notification is returned to us twice as undeliverable, your account will automatically revert to paper statements and applicable charges may apply. If your e-mail address changes, please be sure to update it in the ‘Statement Delivery’ section to ensure you continue to receive your statement notifications. This is important to do, even if you’ve provided us with your new e-mail address in some other way.
How do I access my online statement?
It's simple. Just log in to Bank OnLine or Mobile Banking, go to the ‘Transactions’ section on the left navigation Menu and click or tap on ‘Statements.’ You will be prompted to select the appropriate year and statement cycle date to view.
Are all my accounts eligible for online statements?
At this time, Checking, Savings and Money Fund accounts are eligible for online statements. In order to receive online statements, the account must be set up for Bank OnLine or Mobile Banking access.
Does Bank OnLine and Mobile Banking keep a history of my online statements so I can access them at a later date?
Yes. We keep a 5-year history of all statements, starting from the time you enroll for online statements - all available online. Statements generated prior to online statement enrollment are not available online.
What if I prefer to have paper statements?
You can change the delivery method for your statements at any time by clicking on ‘Statement Delivery’ in the ‘Services’ section of Bank OnLine or Mobile Banking and following the instructions provided. If you wish to have an online statement and a paper statement, please contact Customer Service at (800) 257-8316 for assistance. Paper statement fees will apply at $1.75 per statement (initial copy or duplicate).
Can I combine all my accounts on one statement?
Combined online statements are not available at this time. A separate online statement will be generated for each account. (Ready Cash statements will be automatically included in the online statement for any account tied to Ready Cash.)
Is receiving my statement online safe?
The safety of your financial information is always a top priority at American Bank. When you receive an e-mail notice that your online statement is available, only the last four digits of your account number are transmitted within that notification. Viewing your statement electronically is safe because you access the statement using your secure login credentials. As a reminder: always keep your login credentials private and secure, and never share them with anyone.
How do I get my final statement after closing my account(s)?
After you close an account, your final statement will be mailed to you at no charge, even if you had been receiving your statement online. If you no longer have any accounts with American Bank, your Bank OnLine and Mobile Banking services will be discontinued. If you had been receiving online statements, you will no longer have electronic access to those statements. You should print or save copies of your previous statements prior to closing any account using online statement delivery.
What is Total Snapshot?
Total Snapshot is a feature within Bank OnLine and Mobile Banking that allows you to take control of your financial life. You can view and monitor all your financial matters in one place. You are able to aggregate information on American Bank accounts and accounts at other institutions, allowing you to view account balances, review and categorize transactions and expenditures, monitor your net worth, and set and monitor financial goals. Budgeting tools are also available.
How is Total Snapshot beneficial?
Through Total Snapshot, you can create cash flow analysis, expense analysis, budget and spending reports, credit card utilization reports, and much more. Having all your financial accounts and information at your fingertips – and in one centralized location – can be extremely beneficial to any individual, family or business. You’ll save time, and you’ll be able to monitor your total financial picture with ease, any time you want to. Plus you’ll have easy access to tools and resources to help you manage and improve that picture.
How do I access Total Snapshot?
To access Total Snapshot, you must be a Bank OnLine or Mobile Banking user. You will see a link to Total Snapshot in the left navigation Menu in Bank OnLine and Mobile Banking under the ‘Services’ section. Simply click on this Total Snapshot link for instant access to your complete financial picture, as often as you like.
What if I have accounts at other financial institutions?
Total Snapshot can truly present your total financial picture – in one place. The American Bank accounts associated with your electronic banking setup are automatically viewable in Total Snapshot. You can also link any accounts you may have at other financial institutions including other banks, credit cards, investments, loans and more! There are over 10,000 sites available to automatically link with Total Snapshot, and you can manually add additional assets or accounts.
What if another financial institution I use is not available to link with Total Snapshot?
Although the Total Snapshot product links with over 10,000 sites, there are a few reasons why a financial institution may not link. Common reasons include that the institution’s Internet security may block the connection or the log-in requires the entry of a value that is not consistent with every log-on such as a phrase to decode or a security token code. In these rare instances, Total Snapshot offers you the ability to create a manual account that you update to represent any asset or debt.
Where can I get help with the Total Snapshot product?
There is always a ‘Help’ option at the top right-hand side of your screen when using the Total Snapshot product. This tool is a great guide and offers many helpful tips throughout the product.
Is using Total Snapshot online safe?
Your Total Snapshot account is accessible and viewable only by you, through your Bank OnLine or Mobile Banking login. Our Total Snapshot service is security-tested on a continuous basis by industry-leading security firms and federal regulators, and is certified to meet the highest security standards.
How do I sign up for Bank OnLine, Bill Pay or 24-Hr. Bank-By-Phone transfers?
For Personal Accounts - Click here to register online. This will take you to our secure registration pages. You should allow about 10-15 minutes of uninterrupted time so that you can complete the registration without leaving or taking a break. For security reasons, the registration session will time-out if a period of inactivity is detected.
For Business Accounts - Contact a Personal Banker to complete a Business E-Banking Registration Agreement. Because many businesses will have multiple online banking users and accounts, and varying levels of access and authority, the set-up is customized to your specific needs.
What types of accounts can be set-up for Bank OnLine and Mobile Banking access?
Personal or business checking and savings accounts, certificates of deposit, all types of loans and lines of credit can be set up for Bank OnLine and Mobile Banking. All of your linked personal accounts can be included in one set-up under the same User Name and Password. Please contact a Personal Banker for specifics about linking commercial accounts, multiple users, and accounts with two or more signers.
What do I need in order to register online for e-banking services?
For Personal Accounts - Online registration currently requires that you have an active Social Security Number in our records. (If you do not have a Social Security Number, you will have to register through a printed form, which you can get from any Personal Banker at your neighborhood branch.) You will also need to have the following information on hand: your account number(s) and your Driver’s License number (or other government-issued ID). We will also ask you for a current e-mail address so that we can keep you notified of any changes or announcements concerning your e-banking services and send you an e-mail that contains information on how to access Bank OnLine and Mobile Banking.
For Business Accounts – Please contact a Personal Banker for assistance.
How do I get my User Name and Password for Bank OnLine and Mobile Banking?
After successfully registering, you will receive an e-mail within 3 business days. It includes important instructions to get you started with Bank OnLine and Mobile Banking. Your initial User Name will be formula-driven and is explained in the e-mail. Upon your initial login, you will be required to establish a Password of your own choosing.
If you forget your User Name, call our Customer Service DirectLine for assistance. Our phones are answered Monday-Friday (business days) from 7 am to 6 pm Central Time.
If you forget your Password, you can reset it yourself within Bank OnLine or Mobile Banking. For Bank OnLine, go to the AmericanBank.com homepage, enter your User Name in the Bank OnLine Login box and click ‘Submit.’ On the next login screen, check the box labeled ‘Forgot Password?’ and click ‘Login.’ You will then select a phone number from a list pulled from your customer profile. You will receive a call or text message at the number you select, which will provide you with a one-time Secure Access Code. This code is required to reset your Password. Once you enter the Secure Access Code on the screen and click ‘Submit,’ you can create your new Password.
To reset your password using Mobile Banking, open the American Bank Mobile Banking app and click ‘Forgot Password’ on the login screen. You will be prompted to enter your User Name, select a Secure Access Code (see paragraph above) to verify your identity, and create your new Password.
How do I sign-in to use Bank OnLine and Mobile Banking for the first time?
Once you have registered and received your e-Banking welcome e-mail with the formula for your User Name, you can sign in for the first time from your desktop computer or from the Mobile Banking app.
Desktop (Computer) - If you are logging in from your computer, go to our homepage and enter your User Name in the login box located in the upper left-hand area of the page. Then click on ‘Submit.’ On the next screen, select the ‘First Time User’ checkbox and do not enter a password; then click ‘Login.’ You will be shown a list of the phone numbers we have on file for you. Choose the phone number where you want to receive the phone call or text message containing your single-use Secure Access Code. Then click ‘Submit.’
Mobile Banking - To access Mobile Banking, you need to download the American Bank Mobile Banking app (there are separate apps for phones and for tablets):
For iPhone, iPod Touch, or iPad - download the app from the App Store.
For Android devices - download the app from the Google Play Store.
Once you have the application downloaded, launch it and click the ‘First Time User’ link. You will be prompted to enter your User Name and select a phone number from the list we have on file for you in order to receive your single-use Secure Access Code.
You should receive the call or text with your Secure Access Code shortly. Typically it will be less than 1 minute. The Secure Access Code call will originate from the bank’s 1-800-257-8316 number. Text messages will originate from 320-75. The single-use Secure Access Code will be 6 digits long.
Note: You must have a valid phone number on file with the bank in order to receive a Secure Access Code. If you feel that the contact information we have on file for you may need to be updated, please contact Customer Service as soon as possible.
After you’ve entered your single-use Secure Access Code, the next screens will walk you through completing the registration process by agreeing to the Electronic Banking Agreement, and updating your online profile information.
What do I need in order to register my device?
By registering your device, you confirm that it is under your control and you intend to use it again to access Bank OnLine or Mobile Banking. Do not register any device that is shared or public.
Note: As an extra layer of security, however, you can elect to not register each device. In that case, you will receive a Secure Access Code to verify your identity each time you log in. (This is the procedure we recommend for best security.)
After successfully logging in for the first time and establishing your Password, you will be prompted to select a phone number to receive another single-use Secure Access Code to validate your identity, and then you’ll be asked if you want to register the device. You will also be asked to register any other Internet-enabled devices you use to access Bank OnLine or Mobile Banking the first time you use them (or each time if you elect to not register, which is what we recommend).
If you register your device(s), you will not go through the Secure Access Code process each time you log in. Once a computer or other device is registered, it will be recognized for subsequent logins and the Secure Access Code process will be bypassed, unless your settings delete cookies on a daily basis. In that case, you should adjust your settings so cookies are not deleted from your “trusted” sites and add https://www.AmericanBank.com and https://ebank.americanbank.com to your list of trusted sites.
For security purposes, we strongly recommend that you do not use public access devices for online banking or Mobile Banking activities. Should you use a public or otherwise “untrusted” device, DO NOT register it. Simply check the ‘Give me one-time access’ box. ALWAYS “Sign Off” for your security.
Which accounts can I open online?
You are currently able to open personal checking, savings, or money fund accounts online.
How long does it take to complete the online account request?
It takes approximately 10 minutes to complete the online account opening information.
How long does it take to finalize opening the account once I have submitted the online information?
After you receive the e-mail notifying you that your online account request has been approved, processing will take approximately one business day. If we have any questions, or need more information to complete the processing of your requested account, we will contact you at the phone number you provided in the application. You will be notified if we cannot open your account for some reason. Once your account is processed, funds from your opening deposit may not be available immediately. See “How may I fund the opening deposit for an account I open online?” below.
What do I need to open an account online with American Bank?
You will need to provide the following information for yourself and your joint account holder (if applicable) during the account opening process:
- Social Security Number
- Date of birth
- Valid form of identification including: Driver’s License, State ID, Military ID or Passport
- Current residential address and prior address if you have lived at your current address less than two years
- Employment information
- E-mail address
- An account number, credit card or debit card number to use for the funds for your opening deposit
If you are not a U.S. Citizen or U.S. Resident Alien and do not have all of this information, you will not be able to open an account online. Please visit one of our branches, where they will be glad to assist you.
What information do I need to open a joint account?
You will need the same information that is required when opening an individual account—but you will need it for both account holders. For details, see “What do I need to open an account online with American Bank?” above. Please note that each account holder will need to sign the signature card provided within the application.
What is the difference between Individual and Joint ownership?
‘Individual’ account ownership means that the account will be owned by only one person. ‘Joint’ account ownership means the account will be owned by two or more people equally. Personal accounts with up to two owners may be opened online. For accounts with more than two owners, please visit a branch location.
Why do you need my Social Security Number (SSN)?
Your SSN helps verify your identity, and is required for tax purposes for interest-earning accounts as well.
Why is personal information required to open an account online?
Your account cannot be opened unless we are able to verify your identity. (For more about the personal information required during online account opening, please see “What do I need to open an account online with American Bank?” above.)
Why do you ask for my e-mail address?
We ask for your e-mail address so that we can send you notices regarding the status of the account opening process.
Is a minimum deposit required to open an account online?
Yes, please refer to our Account Selection page within the online account opening screens for the minimum opening balance required for each type of account.
How may I fund the opening deposit for an account I open online?
To make your opening deposit online, you can use your MasterCard, Visa, or Discover credit card or debit card, or you can make a transfer from your existing account at American Bank or another financial institution. The transfer will not take place until your account is approved. Please ensure that you have sufficient funds available on your credit card or in the other account for the transfer to take place.
If you fund your new account with a credit card, debit card or non-American Bank checking or savings account, your funds will be held for five business days after your account is approved. If you fund your new account using an existing American Bank account, your funds will be available as soon as your account is approved and set up.
When is the opening deposit processed?
Transfers from your existing account at another financial institution will occur within one to three business days after you receive notice that your account request has been approved. Credit and debit card deposits will be processed within one to three business days as well. If you are currently an American Bank customer and transfer money from an existing account with us, the transfer will occur on the next business day.
How can I change the account opening information I provided?
You have the option to edit your account information prior to submitting it to American Bank. Simply click on the "Edit" button above the section of information you would like to change. Once the information is submitted, however, it cannot be changed online. If you require a change after submission, contact Customer Service at (800) 257-8316 or visit your nearest branch.
Is my online account opening information secure?
American Bank uses Secure Socket Layer (SSL) technology with 128-bit encryption to ensure your information is sent securely over the Internet. Encryption technology helps provide secure transmission of information along the Internet by using a mathematical formula to encode and scramble the transmitted data. Without a corresponding "decoder," the transmission looks like nonsense text and is not usable. SSL ensures that you are getting information directly from us, keeps all of the transmitted information completely confidential, and prevents the theft of this information while it is in transit.
How do I get my account opening documents?
As part of the online opening process, you will be asked to consent to receive certain account opening documents and notices from us electronically. These will be presented to you during the online opening process. If you do not consent to the electronic delivery, you may visit any American Bank branch to open the account in person.
What is a signature card? Why do I need to send it back to you?
A signature card identifies account holders, establishes account ownership rights, and defines account terms and obligations of the customer and the bank. For online account openings, it is also the way we will communicate your account number to you.
You will need to print your signature card during the online account opening process, sign it and mail it to the address noted on the screen. It is important to sign and mail it back to American Bank as soon as possible. Note: Any joint account holder will also need to sign the signature card.
Signature cards help to identify you by giving us a way to compare the signature(s) on the card with signature(s) on transactions. Once received, we will keep the card on file as a record of your written signature(s). If we do not receive a signed signature card from you within 5 business days of completing the online account opening process, one will be mailed to you, and you must sign and return it to American Bank within 30 calendar days of completing the online account opening process. If you do not, the bank reserves the right to close your account.
What can I expect after completing the online opening process?
Once you have submitted your information online and received notice that your account has been approved, it will take one business day to process your new account. If we have any questions during that time, we will contact you by phone at the number you provided. You will need to print your signature card during the online account opening process, sign it, and return it to American Bank within 5 business days of completing the online account opening process. If you do not, we will mail you a signature card to sign and return. If we do not receive the completed card within 30 days of your online account opening request, we reserve the right to close your account. (Please remember to keep record of the account number shown on your signature card before returning the card to us.)
If you request Bank OnLine and Mobile Banking service, you will receive a welcome e-mail when the service is available to you.
Who can submit wire transfers online?
Online wire transfer requests are available to our business customers who have completed a Cash Management Agreement and established company limits for wire amounts and quantities. Please contact Cash Management Support if you would like your company to have access to this service.
When can online wire transfer requests be submitted?
Authorized users can submit an online wire transfer request 24 hours a day through Bank OnLine or Mobile Banking. American Bank will process wire transfers during regular business hours. The daily wire transfer cut off time is 1:45 pm.
Can I request a wire transfer to a foreign bank?
American Bank does not currently offer international wire transfers. Wires can only be sent to U.S. bank accounts.
How long does it take for the online wire transfer to be sent to my recipient?
Once an authorized user completes and submits the Wire Transfer Request form, the request must be approved by the appropriate person within your company and processed by American Bank. We process approved online wire requests throughout the day, during regular business hours, with a daily cutoff/completion time of 1:45 pm. You must have sufficient funds available in the originating account at the time we process your wire request. During processing, we will post a memo debit to your originating account. We may be unable to complete your wire transfer if transactions post to your account and lower the balance prior to us processing your wire request. Once the account has been debited, your wire request will be processed and sent to the Federal Reserve.
Why would my wire transfer not process or not be sent to the recipient?
When submitting an online wire request, being aware of these common mistakes can help to ensure your request is processed. A valid Fedwire participant bank routing number must be used for each online wire request recipient. If a valid routing number is not provided, the wire cannot be processed. Additionally, some financial institutions require an Intermediary Bank to process wire transfers. Failure to enter the Intermediary Bank information (if needed) will lead to the wire being rejected. Another common mistake is lack of available funds. The originating account must have sufficient funds available at the time American Bank processes the wire transfer request. A wire transfer request cannot be completed if transactions post to the account and lower the balance prior to processing.
What is RFA?
RFA stands for Risk and Fraud Analytics. RFA analyzes certain transactions and user data in real time to help identify potentially suspicious activity. The types of Bank OnLine transactions it monitors include: ACH Single Payment, ACH Payments, Payroll, online domestic wires and external transfers.
Will my transaction be sent on time?
You will continue to draft and approve these transactions as usual. If a transaction is flagged as unusual for your account, a pop-up message may appear during your authorization process, indicating that the transaction will be placed in a temporary 'on hold' status for additional security review by our Risk Review department. Any transaction approved before the cut off time will be included in our final processing file of the day.
How will I know when my transaction is approved?
You can monitor the status of 'on hold' transactions by periodically checking the Activity Center in Bank OnLine or Mobile Banking. But the best way to track an 'on hold' transaction is to set up an alert for each transaction type (ACH, Payroll, etc.), so you can receive a message when the transaction has been authorized.
Can I opt out of RFA?
RFA adds an extra layer of security and can help prevent fraudulent transactions from being sent from your account. Because your security is important to us, it is a system-wide functionality that is not configurable at the individual customer level.
Who can I contact with questions?
You can contact our Risk Review department during business hours at (844) 873-2200 if you need assistance regarding Risk and Fraud Analytics or a transaction that has been placed in an 'on hold' status.
What is the Your Choice Checking account Features Editing Tool?
The online Your Choice Checking account Features Editing Tool is the most convenient way to customize a Your Choice Checking account at any time to meet your needs - as they change.
What accounts can I change with the online Your Choice Checking account Features Editing Tool?
Only the personal Your Choice Checking account is designed to be changed using this tool.
How do I change my Your Choice Checking account with this tool?
To edit a Your Choice Checking account with the Features Editing Tool, go to the ‘Edit Your Account’ tab under the Personal Banking/Checking section of our website. You will validate your identity by providing information including your First Name, Last Name, Social Security Number and the last 4 digits of the account number you wish to modify. Once we have validated your identity, your current feature selections will be displayed and you will be able to modify the features on your account.
Do my changes take place immediately?
Any changes you make to your account by using the Features Editing Tool will take place immediately, except if entered during periods of website maintenance or overnight processing. If your changes can't take place immediately, a notification will be displayed.
What if I change my mind after making changes to my Your Choice Checking account features online?
There is no limit to the number of times you can make changes to the Your Choice Checking account online. If you change your mind, simply access the Features Editing Tool online, validate your identity and submit the changes you wish to make.
How do I get signed up for 24-Hour Bank-By-Phone?
You are given access to Bank-By-Phone information when you open an account. If you would like to register for transfer capabilities through Bank-By-Phone, you can do so at any time through the online E-Registration process, or you can contact Customer Service or visit a Personal Banker at any branch.
What number do I call to access my account information through 24-Hour Bank-By-Phone?
- Corpus Christi (361) 992-9901
- Port Aransas (361) 749-7777
- Rockport (361) 727-9965
- Austin (512) 328-4888
- Goliad / Victoria (361) 645-1300
- Outside these areas toll free (800) 257-8086
Where do I get my PIN (Personal Identification Number)?
Your initial Bank-By-Phone PIN will be given to you when your service is set up (at account opening or by calling Customer Service or visiting a Personal Banker at any branch). The first time you access the system, it will recognize you as a new user and prompt you to enter the initial PIN you were given. You will then be given instructions on how to set-up your own personal PIN.
Will my PIN give me access to all my accounts?
Your PIN will give you access to all deposit and loan accounts on which you are the primary owner (you are the primary owner if your name is listed first on the account).
What if I forget my PIN?
You can call Customer Service and they will reset your PIN to the original default PIN. The next time you call Bank-By-Phone, just use this PIN for initial access and then follow the instructions for setting up your new PIN.
Customer Service DirectLine numbers are:
- Corpus Christi (361) 992-9911
- Port Aransas (361) 749-7711
- Rockport (361) 727-9955
- Austin (512) 328-0999
- Goliad / Victoria (361) 645-3220
- Outside these areas toll free (800) 257-8316
What can I do with 24-Hour Bank-By-Phone?
You can access information about your accounts and transactions. Get current balances, cleared checks and historical information about your accounts and loans. You can move funds between accounts you have set up to allow transfers at no cost. You can also get information about locations and bank hours, or change your Bank-By-Phone PIN. And you can report lost or stolen checks, ATM Cards and Check Cards too.
How do I transfer funds with 24-Hour Bank-By-Phone?
If you have more than one personal account on which you are the primary owner, you can set up transfers between these accounts through our online E-Registration. You will need to register each account you want linked to your transfer group. They can all be done in one online registration session.
Business account holders will need to complete a transfer agreement, which can be obtained from any Personal Banker, Cash Management representative, your bank officer, or Customer Service.
Please note: certain accounts have a legal limit for the number of transfers you can make.
How can I purchase U.S. Savings Bonds or manage bonds I already have?
You can purchase electronic savings bonds online through TreasuryDirect at www.treasurydirect.gov. (The government no longer sells Savings Bonds through financial institutions or by mail.) You can manage bonds you already own through this site as well. For more information, click here.
What is TreasuryDirect?
TreasuryDirect is a secure web-based system through which you can establish accounts to purchase, hold, and manage Treasury securities online, anytime. In TreasuryDirect, you can purchase Series EE and I Savings Bonds, Treasury bills, notes, bonds and TIPS (Treasury Inflation-Protected Securities).
How do I use the deposit feature of a deposit-enabled ATM?
Some of our ATM locations have been upgraded to feature the latest in ATM deposit technology. It’s very simple to use, and the ATM screen provides you with instructions throughout the process. First, you insert your American Bank Check Card. Then you can insert a stack of up to 30 checks (no deposit slip or envelope needed). The ATM creates a digital image of each of them, then presents the images to you one-by-one on the screen for your approval, revision or removal from the deposit. Once you accept the deposit, the ATM presents you with a receipt that includes a printed image of each of the checks in the deposit. Use this link to access a video demonstration of the new technology: http://www.diebold.com/depositautomation/idmbd/default.htm.
What happens if the ATM doesn’t correctly read a check being deposited?
You are given the opportunity to see each item in the deposit on the screen, along with the information the ATM has “read” for each check. You can make changes to the amount, or even have the ATM return a particular check to you and remove it from the deposit.
How soon will my account be credited for a deposit at the ATM?
Deposits made by 6:00 pm weekdays will be credited that same day. Deposits made after that time, on weekends or holidays will be credited the next business day.
Is there a fee for making a deposit at the ATM?
There is no cost to make a deposit at the ATM. Any deposited item fees for business accounts will apply as usual.
Do I need a deposit slip to make a deposit at the ATM?
No. The ATM automatically “reads” and totals the checks you insert into it for deposit. A deposit slip is not needed.
Is there anything I need to do to prepare my checks for deposit at the ATM?
All you need to do is to be sure that all the checks being deposited are filled out completely, signed and properly endorsed. (For questions about proper endorsements, please contact Customer Service at (361) 992-9911 or (800) 257-8316.) A deposit slip is not needed. Your checks (up to 30) can be inserted into the ATM in a single stack. When the ATM screen instructs you to do so, insert the stack of checks into the designated slot. Simply follow the instructions on the ATM’s screen to complete your deposit.
What happens when one or more of the checks in a deposit cannot be processed?
A message will appear on the ATM screen telling you that there are items that cannot be deposited. The ATM will total the items that can be deposited and you will be asked to confirm the total dollar amount of the deposit. Then you will receive a receipt. Take the receipt but wait while the ATM sorts the checks you inserted, in order to return to you those that cannot be deposited. Take the returned checks when they are ejected from the machine. Your transaction is complete when you see the “thank you” message appear on the ATM screen. (For help with checks that have been rejected from a deposit, please visit any American Bank branch lobby or Motor Bank.)
How will I know when my deposit transaction is complete?
You will see a “thank you” message on the ATM screen when the deposit process has been completed.
Why has my card been upgraded to a chip card?
Chip cards are being introduced in the U.S. after much success in other parts of the world. Your new chip-enabled card provides an extra level of security and wider acceptance outside the U.S.
What makes a chip card more secure?
A chip card is like our previous card, but now includes an embedded microchip that communicates with the terminal to determine whether the card is authentic. The chip contains information that is encrypted, making it extremely difficult for the card to be copied or counterfeited. And the chip creates a unique code each time the card is used at a chip terminal. This prevents any data that might be stolen from being used.
What else is different with the chip card?
Your chip card has a new expiration date, and a new 3-digit security code on the back. Be sure to notify any merchant you have set up for automatic payments from your card about these changes.
I received a letter stating that I would be getting a new chip Check Card soon, but it has never arrived. What should I do?
Cards were mailed to everyone with an active personal Check Card on Thursday, January 28, 2016. Please contact Customer Service if you have not received your personal card. Business Check Cards were mailed druing the week of March 21, 2016. If you have not received your Business Card by April 4, please call Customer Service.
How do I use my new Check Card at chip-enabled ATMs and merchant terminals?
- Insert your chip card into the ATM or terminal. Follow the instruction prompts on the screen, as the steps may be different from location to location.
- An ATM will require that you enter your PIN, as you did before. At a point-of-sale terminal, you may be asked to enter your PIN or sign your sales receipt to complete your purchase.
- After the transaction is complete, be sure to remove your card.
Can I use my card for everyday transactions or at non-chip terminals and ATMs?
Yes! Use your chip card much like you did with your old card. Insert the card into terminals or ATMs that are chip-enabled or swipe the magnetic strip on the back of your card at locations that have not yet transitioned to new chip-enabled terminals. You can also continue to use your card for online and telephone payments.
What’s my PIN for the new card?
The PIN on your chip card is the same PIN as on your old card.
What do I need to do when I receive my new chip card?
Activate your new card by calling the number on the sticker on the front of the card. Sign your new card and destroy your old card. Update the expiration date and 3-digit security code on the back with any merchants who automatically debit your account for payments using your Check Card.
How will I receive fraud alerts concerning my Check Card Transactions?
If we have a mobile phone number on file for you – and your mobile service is provided through Verizon, AT&T, T-Mobile or Sprint - you will receive a text message. If you use a different carrier or do not have a mobile number on file, you will receive an automated phone call.
Are the fraud alert features automatically turned on for me?
Yes. The fraud alerting service is provided automatically to all Check Card cardholders.
How do I know which of my cards an alert applies to?
Alert phone calls and text messages are identified as coming from American Bank, and the last 4 digits of your card number are provided as well.
How do you determine whether I receive an automated phone call or a text message?
Our card management system contains two phone numbers for each cardholder. The alerting technology determines whether the phone numbers on record are landlines or mobile devices. If a mobile phone number exists - and your mobile service is provided through Verizon, AT&T, T-Mobile or Sprint - a text message is sent to you. Otherwise, an automated phone call is placed.
When I receive an automated phone call, what number is displayed on caller ID?
The number displayed is 877-230-3179.
When I receive a text message, what number is displayed?
The number displayed is 33748.
If I’m not reached on the first try, will there be other attempts to contact me?
Yes. The first contact is through a text message, if an appropriate mobile number is available. In the absence of that, or if an initial text message is not responded to within a certain period of time (usually 15 minutes), an automated phone call is placed. If this phone call does not reach you, the system waits approximately one hour. If there’s still been no response from you at that point, the sequence will be repeated. If you have not responded after multiple attempts, a letter will be sent via U.S. mail.
Does it cost anything to receive Check Card fraud alerts?
There are no bank fees to receive fraud alerts. If you have mobile service through Verizon, AT&T, T-Mobile or Sprint, text messages are sent to you using “Free To End-User” texting. As the name implies, there is no cost to you to receive alert text messages with these carriers. Other mobile carriers do not support “Free To End-User” texting, so automated phone messages are used with these carriers. All other texts and mobile calls are subject to the terms of the voice/data plan you have with your carrier.
In most cases, an automated phone message to a landline should be free to you. If the automated phone call alert is sent to a mobile phone (for example, if you do not have a landline), the call counts against your mobile plan voice call minutes/rates.
What does it cost to respond to an alert?
Response calls from a landline should be free to you. Calls from your mobile device will count against your mobile plan’s voice call minutes. Similarly, text messages from your mobile device will count against your mobile plan’s text message limits/rates.
Can I opt out of receiving text fraud alerts?
Yes. Opt out instructions are provided in all messages you receive.
What does a text alert contain?
Here are samples of the text alert messages (information in red varies):
Alert Text Message:
FreeMsg: American Bank Fraud Dept: Possible unauthorized txn on acct ending in <LAST 4 DIGITS OF CARD NUMBER>: <TRANSACTION_AMOUNT> processed by <MERCHANT_NAME>. If authorized reply “YES”, otherwise reply “NO”.
FreeMsg: American Bank Fraud Dept: Possible unauthorized txn on acct ending in 1234: $22.22 processed by Julie’s Jewelry Store. If authorized reply “YES”, otherwise reply “NO”.
Messages based on response:
If you send a YES reply, you will receive the following response:
FreeMsg: American Bank Fraud Dept: You have confirmed a purchase of <TRANSACTION_AMOUNT> at <MERCHANT_NAME>. We apologize for any inconvenience. Your acct can now be used without concern.
If you send a NO reply, you will receive this response:
FreeMsg: American Bank Fraud Dept: Thank you for your reply. A fraud specialist will call you immediately to protect your account. Please answer this important call.
What message is left if I don’t answer when an automated phone call alert is initiated?
Here is a sample of the automated voice message that will be left for you (text in red varies):
This is the fraud prevention department at American Bank calling for <YOUR NAME>.
We need to verify some recent activity on your Check Card ending in <LAST 4 DIGITS OF CARD NUMBER>.
In order to prevent possible difficulties using your card, it is important that you call us back at your earliest convenience, toll free at <PHONE NUMBER> to verify this activity.
You may call us back 24 hours a day, 7 days a week. The number again is <PHONE NUMBER>.
What is American Bank's Holiday Schedule?
American Bank’s holiday schedule includes all Federal Reserve Bank holidays. We are always available through our electronic banking options and will be happy to set you up during our regular banking hours if you are not currently registered.
Our branch locations will be closed on the following days:
- New Years Day - Friday, January 1, 2016
- Martin Luther King, Jr. Day - Monday, January 18, 2016
- Presidents’ Day - Monday, February 15, 2016
- Memorial Day - Monday, May 30, 2016
- Independence Day - Monday, July 4, 2016
- Labor Day - Monday, September 5, 2016
- Columbus Day - Monday, October 10, 2016
- Veterans Day - Friday, November 11, 2016
- Thanksgiving Day - Thursday, November 24, 2016
- Christmas Day (Observed) - Monday, December 26, 2016
Internet-based Cash Management services cut-off times will be unchanged. For information about electronic banking or to register for services, please visit www.AmericanBank.com or contact Customer Service at (800) 257-8316, Monday through Friday from 7 am to 6 pm (excluding holidays).
What is American Bank's Routing Transit Number?
The Routing Transit Number for American Bank is 114903284. This number is assigned by the U.S. Federal Reserve and is used to move funds electronically. This number can also be found at the bottom of your American Bank check next to the account number.