Bank with us and stay protected.

Facts and Tips For Secure and Trouble Free E-Banking

Important Note Regarding Windows XP Operating System: 

As of April 8, 2014, Microsoft is ending support for Windows XP. This means they will no longer issue security patches for the Windows XP operating system.  Devices that continue to operate with Windows XP may become vulnerable to harmful viruses, spyware, malware and other malicious software which can compromise your system’s security.  Due to the serious nature of this situation, American Bank has removed Windows XP from its list of approved operating systems for all Bank OnLine and Cash Management services. If you are currently using Windows XP, we strongly recommend you upgrade your PC’s operating system to a supported operating system.  You should also verify that your anti-virus software is up-to-date with the most current version and virus definitions, to protect the security of the information on your PC and your online banking activities. Approved PC operating systems include: Windows 7 and Windows 8. 

Additional details regarding Windows XP’s End of Support can be found on Microsoft’s website at: http://www.microsoft.com/en-us/windows/enterprise/end-of-support.aspx

Website Security Using SSL

The log-on and the user pages of Bank OnLine, Bill Pay and American Bank’s Electronic Banking Agreement and Registration are secured through the use of SSL using 128-bit encryption. SSL or Secure Sockets Layer is a standard secure way to encrypt information so that only the sender and receiver can decipher it. SSL also prevents others from making changes to the information without notifying the sender.

For the maximum security of your personal information and your accounts our SSL pages require the use of Microsoft Internet Explorer (7 or 8) with 128-bit encryption. They also require that your browser be enabled for JavaScript and for cookies.

We have chosen to implement the SSL (Secure Sockets Layer) capabilities of our server in order to provide you with the highest level of security available on the Web today. SSL insures that you are getting your information directly from us, keeps all of the information that is transmitted between us completely confidential as it makes its way across the net, and prevents the theft of this information while it is in transit. (More about SSL.)

Checking for a Secure Connection

Many times your browser will notify you with a pop-up screen, a locked icon on the browser page and/or display a secure https:// address when you are entering into a secure connection.

Here is the way to check if the pages (frames) you are entering are secure:

In Microsoft Internet Explorer you can right click (Windows) or Control-click (Mac) anywhere in the frame that you want to check. (For example, you would click on the bottom part of a page where you would sign on to use Bank OnLine, and not the top of the page where the American Bank logo and tabs are displayed.) A pop-up box will appear and you should select Properties from the menu. Another pop-up box will appear showing you whether or not the page is encrypted for security.

The pop-up boxes display information about the document, the level and type of security in effect for that document, and the secure server’s Certificate, as well as information about the Certificate Authority. You should be looking for a 128-bit encryption for the greatest level of security. If this does not appear, then do not try to use Bank OnLine, Bill Pay or Electronic Registration and call American Bank Cash Management at (361) 888-8200 for help with installing a compliant browser with the right settings.

SSL-Compliant Browsers for using Bank OnLine and Bill Pay

The following browsers have SSL functionality and are supported:

  • Microsoft Internet Explorer, 8 and above.

If you have any problems connecting to our web site, Bank OnLine or Bill Pay, please install a copy of one of the supported browsers (listed above) before getting help from American Bank.

NOTE: It has been reported that some browsers have the capability to remember usernames and passwords between sessions. Be aware that, in practice, this is not a good idea since anyone could feasibly take advantage of an unattended terminal to log in to a secure site with a previously saved password.

How SSL Provides Security

Secure Sockets Layer (SSL) provides advanced security for network transactions. SSL provides these three basic types of security:


When an SSL connection is established and the signals of a secure transaction are visible, you can trust that you are, in fact, connected to the server you have specified in the target URL.


By using SSL we can provide a secure connection between your browser and our server. Using standard HTTP, information that is transmitted between the client (browser) and web server is not encrypted. For this reason it is possible that at some point while the information is traveling between the client and the server, an unauthorized party could view this information. Because of such snooping, there exists the potential for passwords and other valuable confidential information to be misappropriated.

Data Integrity

A secure connection using SSL insures that the data that you receive from a secure HTTP server is identical to the data that was sent to you by the server. It might seem obvious that that should be the case, but a message traveling across the Internet must pass through many different computers on its way from one place to another. At any of these points the potential for someone to compromise the data, maliciously or otherwise, is present. SSL provides a means to verify that the data received by the browser is the exact same data that was sent by the secure server.

Our use of SSL provides the following benefits to our customers:


Assurance that all of the information that you send us via this secure channel is completely confidential. This includes all information pertaining to your American Bank account numbers and passwords, and any information that you request of American Bank regarding the status of your account.


Assurance that any and all information that you receive from this site is actually from American Bank, and as up to date and correct as possible.

It is not difficult for information to be replicated or mirrored by anyone on the Internet. Should you receive your account information from a site other than this one, there exists the potential that that information will be out of date or in some other way incomplete or erroneous. American Bank has taken steps to insure that you are getting the information that you need directly from your account records at American Bank and nowhere else as long as you are sure to point your browser at our secure HTTP server.

Microsoft Internet Explorer Users

If you are a Microsoft Internet Explorer (MSIE) user, you may have noticed that when you click on a link to a file that you wish to download, sometimes, instead of downloading the file, it is displayed in your browser. This is because MSIE is designed to automatically display files that are not known to it and appear to be text. A file is 'known' to MSIE by setting up an association between the file's extension and a program in either the File Manager or MSIE. Netscape's browsers do the exact opposite and automatically save unknown files.


Bank OnLine and Bill Pay use cookies to remember who you are after you have successfully logged in. If your browser is set up to not allow the saving of cookies, you will not be able to log in.

What is a Cookie?

A cookie is a small amount of data that is sent to your web browser from a web server. This data is never "executed" as code, so it can't contain programs or viruses, and can't be longer than 4,000 characters. Cookies are generally used to help web sites determine the state of your "client."

Why does Bank OnLine use Cookies?

We use cookies to help identify you to the system during a logged in session. The cookie is used, as part of system security, to ensure you are the only one with access to your current session. We do not store your user name or password as part of the cookie. We also want to make it clear that we do not distribute your cookie information to other organizations. No other sites outside this one can access this cookie. After you successfully log into the system, you are assigned a number of unique strings of numbers. It is these strings of numbers that are written to your system as the cookie. These strings of numbers identify you to the system while you are logged in. Each time you log into the system, it checks to see if this cookie is there. If it is missing you are given a new string of numbers. These numbers are not stored on our web server or tracked by us.

What about Security and Privacy?

A cookie cannot be used to extract data from your system. When a cookie is set, your browser checks it for length, an expiration date, and the domain from which it came. This domain checking means that only this site can access your Bank OnLine cookie. We do not distribute your cookie or account information to other companies and as stated before, we do not store your user name or password in your cookie.

Update your browser

Secure your online experience by updating your browser.  Browsers are a key part of keeping your online financial experience and information safe.  

Browsers become more secure with each release, so don't miss out.  No matter what browser you use, make sure you have the latest version installed.  Visit these sites to get the most current versions of browsers available: 


Operating Systems

Download link

Microsoft Operating System Browsers: 
Microsoft InternetExplorer® Windows 7 and 8 http://www.microsoft.com/windows/ie/default.mspx
Mozilla Firefox® Windows 7 and 8 http://www.mozilla.com/firefox/
Google ChromeTM Windows 7 and 8 http://www.google.com/chrome
Mac Operating System Browsers: 
Mozilla Firefox® OS X 10.6 -10.8 http://support.mozilla.org/en-US/kb/install-firefox-mac
Safari® OS X 10.8 http://www.apple.com/support/mac-apps/safari/
Google ChromeTM OS X 10.6 -10.8 https://www.google.com/intl/en/chrome/browser/?hl=en&platform=mac&brand=CHFJ

Contact Us.

Contact Us.

Locate an office.

Locate an office.

Read our Electronic Banking Agreement.

Read our Electronic Banking Agreement.