American National Bank of Texas

 
FAQs

ANBTX Online

What is ANBTX Online?

ANBTX online banking allows our customers convenient access to their accounts via the Internet in a secured environment. Any PC with Internet access can directly link you to your American National Bank of Texas accounts!

  • Basic online banking is free
  • Online bill pay is free (additional fees for Premium Business Bull Pay)
  • Check balances
  • Transfer funds
  • Make loan payments
  • View and print daily account activity
  • Download to personal financial software (Restrictions apply)


Do I have to apply to use ANB Online Banking?

Yes, an application is required to sign up for ANBTX Online Banking for each person who wants access to their account. Upon receipt of the application, a User ID number will be assigned and a letter with login instructions will be forwarded once the application is processed. Upon initial login you will be required to select a password of your choice.



Can Businesses apply for Online Banking?

To apply for our Business Online Banking service, please complete the business application and submit online. Upon receipt of your information, an ANBTX Officer will contact you within three (3) business days to determine the options best suited to meet the needs of your business and assist you in completing required documents.



How do I use ANB Online Banking?

Click on the Online Banking link, at the login page and enter your User ID and password. You will be shown a list of your accounts and the balance in each. From the pull down menu select the function for the account you are interested in and press the "GO" button. Any additional pages will have action buttons that will lead you through your transaction.



What if one of my accounts does not appear on my account list?

You must be a sole or joint owner on an account to have it added to your profile. If an account falls in this category and is not shown on your listing, simply call customer service center at 800-837-6584 Monday – Thursday 8 a.m. to 5 p.m., Friday 8 a.m. to 6 p.m., and Saturday 9 a.m. to noon for assistance.



What happens if I open a new account after I am already signed up for ANB Online Banking?

New accounts do not automatically appear on the ANBTX Online Banking system. Simply call our customer service center at 800-837-6584 Monday – Thursday 8 a.m. to 5 p.m., Friday 8 a.m. to 6 p.m., and Saturday 9 a.m. to noon, and ask to have the account added to your profile. You must be sole or joint owner of the account to have it added to your profile.



Can I change my User ID and or password?
Yes, under the Home Banking section simply click on the management drop down to access the Account Management page. On this page you can control and create such items as:
     · Change Password - You may change your password.
     · Change User ID - You may create your own User ID.
     · Reset Login Count - To keep a closer watch on the
       security of your accounts, you may wish to set your login
       count back to zero periodically.
     · Change Pseudo Account Name - You may create your
       own names for your bank accounts.
     · Display Options - You can choose how many of your
       accounts that you would like displayed at a time.
     · Change Your Cash Management Password - You may
       change your cash management password at any time.

What if I forget my password?

For security purposes, three consecutive invalid login attempts will lock you out of the system. Please call our customer service center at 800-837-6584 Monday – Thursday 8 a.m. to 5 p.m., Friday 8 a.m. to 6 p.m., and Saturday 9 a.m. to noon, to have your account unlocked.



What if I get an error message?

If you get an error message, please make a note of the message, the error number, and the time. Then call the bank at 800-837-6584 Monday – Thursday 8 a.m. to 5 p.m., Friday 8 a.m. to 6 p.m., and Saturday 9 a.m. to noon to report the error message. We will make every effort to resolve the issue as soon as possible.



What does it mean when I get a BLANK screen and cannot login?

ANBTX Online requires 128-bit encryption (a high level of coding for security purposes). If your computer browser does not have this level of encryption, a blank screen will be displayed. At the very top of the screen you may see a message displaying the need of 128-bit encryption and JavaScript.



How can you secure my banking information?
We have extremely high criteria for security of your online banking information. A few of these are listed below:
     · Your banking information never travels the Internet without encryption protection.
     · Login sessions have a time-out limit and after the limit is reached you are required to login again.
     · Password guessing is deterred and reported.

How do I know if my Internet browser has the right level of security and encryption for ANB Online?

You can test your browser here to check the level of your encryption. If an update is required you will be given further instructions.



Why can’t I transfer funds online between my corporate and personal accounts?

Banks are required to limit potential liability with respect to funds being improperly moved from corporate accounts to personal accounts. A check being written from the corporation by an authorized signer, to a specific payee, provides a paper trail that can be used if, at any future date, there is any question as to why corporate funds were moved to a personal account. This applies to Corporations, Limited Liability Companies (LLC), and partnerships. However, those customers with Sole Proprietorships will continue to have the ability to transfer funds between their business and personal accounts.



How does ANBTX Online Bill Payment feature work?

Bill Pay allows you to pay all of your bills at your convenience from any PC connected to the Internet.



Are there fees associated with Online Bill Pay?

Consumer Bill Pay service is free with unlimited check writing. * Fee subject to change



How do I sign up for Online Bill Pay?

If you are a current ANBTX Online user, simply contact our customer service center during regular banking hours at 800-837-6584 for assistance. Current ANBTX customers not enrolled in either service are welcome to complete and submit our Online Application or stop by one of our convenient locations.



How do customers’ accounts get charged for online bill payments?

Check payments are encoded with the customer’s account number and a sequential check number beginning at 1000000001 is encoded on the check. These checks clear against the customer’s account as if they had written a check from their own checkbook. The signature line on the check will be printed with "Signature on File". Electronic payments are verified for availability of funds during the noon processing. The customers’ account is debited for the payment if the funds are available.



How do customers establish electronic payments?

Select the Add New Payee from the Bill Payment drop down menu. To set up an electronic payee, click on the binoculars. Select the first letter of the payee name from the alphabet list or type in the payee name. Click on the Help link for further information.



When are transactions (payments) processed?

Payments are processed each day Monday through Friday (excluding holidays) at 12 noon Central Time. Any payments issued via check will be printed and mailed (postal) the same day if entered up to noon Monday through Friday (excluding holidays and weekends). Electronic payments will be processed the same day if entered up to noon Monday through Friday (excluding holidays).



What is the lead-time for a payment to be made?

Since check payments entered before noon CST Monday through Friday (excluding holidays) are mailed that day, sufficient time must be allowed for the post office to deliver the check. Please allow 5-7 days (excluding grace period, holidays or weekends) for paper check payments. Allow 3-4 days (excluding grace period, holidays or weekends) for electronic payments. If a scheduled payment falls on a weekend it will be processed on Monday (except holidays). New payments scheduled during the weekend will be processed on Monday (except holidays). All payments scheduled for a holiday will be processed the day after the holiday. Helpful Hint: To see how Bill Pay works you may want to send a payment to yourself. This will allow you to see what the check looks like and verify all of the information on the check, such as your name, address, and account number.



Why are there two lines for one of my payments?

If you setup your payee’s with the information on your bill, it may not be the correct address for electronic payments. Our Bill Pay provider may substitute addresses when it transmits the payments. If this occurs an additional line will be on your Schedule.



Why do I have two sets of passwords?

The Cash Management product allows for you to set up separate ID’s and passwords for all your employees. Each company will have an ANBTX Online ID and password and then each employee will have their own ID and password. When setting up your employees, you can also specify which of your accounts the employee has access to.



Who do I call with questions?

Call our customer service center at 800-837-6584 Monday – Thursday 8 a.m. to 5 p.m., Friday 8 a.m. to 6 p.m., and Saturday 9 a.m. to noon.



eStatements

What is an e-Statement?

An e-Statement is an electronic PDF version of your statement and image pages (if applicable) available online via our secure site. You will receive an email notification when it is available. You can view, print and save your statement right from your computer. In addition to statements, some notices have also been made available for electronic delivery.



How do I sign up for e-Statements?

You can enroll through your ANBTX Online Banking Account. Log in to your ANBTX Online Banking Account, click on the e-Statement tab and input the information required for enrollment.



What is Adobe Reader and why do I need it?

Adobe® Acrobat® ReaderTM is free software used for opening and viewing statements or notices. Adobe® Acrobat® ReaderTM version 6.0 or higher is required. To download the latest version of Adobe® Acrobat® ReaderTM, you can go to:  http://get.adobe.com/reader/



Is there a fee for eStatements?

There is no charge. e-Statements are FREE!



How is the e-Statement different from the statement that I can currently view in Online Banking?

The statements that are available through Online Banking can be viewed in multiple formats-Adobe, html, and text. However, these statements do not contain ANBTX Branding, nor do they contain the images of your checks included with the statement. The Online Banking statements will still be available.



Are check images available with my e-Statement?

Yes. If you currently receive images of your checks in your paper statement, then you will continue to receive images of your checks with e-Statements. Some of our deposit products do not offer the return of images in the statement. If you do not currently receive images, you will not receive them electronically.



Will my e-Statement look the same as my paper statement?

Your e-Statement looks similar to your paper statement and contains all of the same information.



Can I receive e-Statements without enrolling in Online Banking?

No. You will need to enroll in ANBTX Online Banking. Once you are enrolled in Online Banking, you can proceed to the e-Statement tab. Your ANBTX Online Banking login ID and Password are used to access your e-Statements and notices.



My husband and I have a joint account and we both have Online Banking. Are both of us able to enroll for e-Statements?

No. Only one account owner may be enrolled to receive e-Statement documents on joint accounts. Whoever signs up for e-Statements first, is the person that will receive the e-Statement documents.



Can I save my e-Statement for future reference?

Yes, you can save the PDF file to your computer or a device of your choosing. Statements and images are accessible for 60 days after they are made available so saving them is important for record retention. Notices are available for 30 days.



Can I receive an e-Statement for all of my accounts?

Any checking or savings account that is available to you within Online Banking is available to be delivered electronically.



When can I view my e-Statement?

We will send an email notifying you when your e-Statement or notice is ready to view. After notification, the e-Statement will be available within ANBTX Online Banking for 60 days. Notices will be available for 30 days. Go to the e-Statement tab, and they are located under the Statements and Notices section.



Is my statement information secure?

As is the case with everything traveling through the Internet, security can be a concern. All data transfers, including electronic mail, occur openly on the Internet and potentially can be monitored and read by others. For these reasons the following security measures are in place:
 
We will include your security phrase in the subject line of all emails that are sent via the e-Statement Service. You should always verify the security phrase is the valid phrase that you created. Also, the notification email does not contain any actual documents. The attachment contained within the notification email, when opened, will display a Login page. This Login page will also include your security phrase for you to validate. You will login using your Online Banking ID and password to obtain access to the actual document.



Will I need a password to view my e-Statement?

Yes. You will use your ANBTX Online Banking ID and password to gain access to your e-Statements and notices.



Will I be able to print my statement and check images?

Yes. Once you open the e-Statement or notice, you will be able to print it just like you print any document on your computer.



After I enroll for e-Statements how long will it take for it to go into effect?

Once you have received your enrollment confirmation email, it can take up to 48 hours for the system to complete all the changes necessary to move your paper statements to electronic.



I signed up for e-Statements but then I received a paper statement?

The entire process from enrollment, confirmation and necessary system changes could take up to 48 hours. Depending on the time of your enrollment, you could receive one additional paper statement.



What happened to the back page of my statement?

This page is accessible by clicking the link located at the top of your statement page, under the e-Statement logo. The link is named- Disclosures.



Who should I contact if I forget my User ID or Password?

If you forget your User ID or Password, please contact customer service at 800-837-6584 during normal business hours.



What if my email address changes?
Sign in to ANBTX Online Banking. Go to the Options tab, click on the email section, input your new email address and click save settings. or
Sign in to ANBTX Online Banking. Go to the e-Statement tab, click on the email option, input your new email address and click save settings.
This change will be reflected throughout ANBTX Online Banking, as well as any other email address that ANBTX has on file for you.

If I have more than one account do I have to individually enroll each account?

No. When you enroll, all of the accounts that are available to you through Online Banking will be listed. By default, all accounts, including statements and available notices, are selected. If there are statements or notices that you do not wish to receive electronically, you will need to “deselect” those documents either during enrollment or through the Documents and Settings section within the e-Statement tab.



How do I cancel my e-Statement?

Sign into your Online Banking account and in the upper right hand corner click on “Contact”. This will generate an email through our secure email system. Please provide us with your name, account number, and a contact phone number with the request to cancel receipt of electronic e-Statements and/or notices. You may also contact our Customer Service Department at 800-837-6584 during regular business hours.



If you save your statement or notice, is it available longer than the 30 or 60 days that it will be available within Online Banking?

Yes if you save it to your computer. The 30/60 day time frame is only within Online Banking. If you save the document to you computer, you have full control as to how long the document remains on your computer.



Will the entire account number appear on Statements and Notices?

Yes, however account number information will not show within the emails themselves.



Mobile Banking

How do I begin using ANBTX Mobile Banking?

To use ANBTX Mobile banking you must:

  1. Have an active ANBTX-Online Banking account.
  2. Have a web-enabled mobile phone/device whose network allows secure SSL traffic.
  3. Enroll in Mobile Banking.


How do I enroll for Mobile Banking?
Active Online Banking users can enroll using either a mobile device or a computer.

From a mobile device:
Go to www.anbtx.mobi
Log in using your ANBTX-Online Banking account ID and Password
Accept the Mobile Banking Agreement by clicking the checkbox next to I Agree
Click Next 
Complete the required information
An SMS text message with the enrollment confirmation will be sent to your mobile device following successful completion of your enrollment.

From a computer: 
Go to www.anbtx.com
Log in to your ANBTX-Online Banking account
Go to Options> Mobile Settings
Complete the required information
An SMS text message with the enrollment confirmation and a link to the ANBTX mobile website-www.anbtx.mobi - will be sent to your mobile device following successful completion of your enrollment.

I received the enrollment confirmation text message, what is the next step?

iPhone™ or Android™ users:
Download the free MY ANBTX app from the Apple Store or Google Play.
Log in using your ANBTX Online Banking ID and Password.

All other mobile devices:
Select the link within the enrollment confirmation text message or type www.anbtx.mobi in your phone’s web browser.
You may wish to “bookmark” this website for future use.
Use your ANBTX Online Banking ID and Online Password to log in to your ANBTX Mobile Banking account.



Is there a fee for the Mobile Banking service?

No. The ANBTX Mobile Banking service is provided free of charge. However, web access is needed to use ANBTX Mobile Banking and you may be charged access rates depending on your service provider. Check with your service provider for details on specific fees, charges and/or data packages. You are responsible for the charges from any wireless service provider while using ANBTX Mobile Banking.



What functions can I perform from my mobile device?
You can:
  • View Transaction History
  • View Account Balances
  • Transfer Funds between accounts
  • Pay Bills to existing payees
  • View Alerts


What type of mobile devices can be used to access accounts?

ANBTX Mobile Banking will work with any web-enabled mobile devices whose networks allow secure SSL traffic. This does include tablet devices.



Do you have a Mobile Banking app for an iPhone™?

Yes. The MY ANBTX app is available in the iTunes Store. You may also use this app on your iPad™.



Do you have a Mobile Banking app for an Android™?

Yes. The MY ANBTX app is available in Google Play. You may also use this app on your tablet.



What happens if I lose my mobile device?

Since your account data is not stored on your mobile device, your information cannot be stolen. When you replace your device, simply edit your Mobile Settings within Online Banking (go to Options > Mobile Settings) and make any changes to the Wireless Provider and/or Phone Number.



What do I need to do if I get a new mobile device?

If you get a new phone, but are using the same phone number and provider, no changes on your part are necessary. If you switch providers and/or phone numbers, log in to your ANBTX- Online Banking account and update your device information under Options > Mobile Settings.

If you were using the MY ANBTX iPhone™ or Android™ App you will have to download the app to your new phone.



What do I need to do if I get a new mobile phone number?

If you get a new phone number, log in to your ANBTX Online Banking account and update your phone number under Options > Mobile Settings. If ANBTX does not have your correct phone number, you will not receive SMS Text Messages regarding Mobile Banking transactions.



What do I need to do if I get a new mobile provider?

If you get a new provider, log in to your ANBTX Online Banking account and update the provider information under Options > Mobile Settings.



Can I search for a transaction within Mobile Banking?

No. There is not a search feature within ANBTX Mobile Banking.



What happens if I lose communication/signal during a transaction?

If you have selected to receive text alerts, when you complete a transaction from your mobile device (bill payment, funds transfer, etc.) you will receive an SMS Text Message as confirmation that the transaction was successful. If you do not receive this message due to a dropped call or lost signal, you need to check your accounts. Log in to your ANBTX Online Banking account to verify the transaction and re-submit any transactions that did not process.



How do I know if my transfer or bill payment was entered successfully?

If you have selected to receive text alerts, each time you make a transfer or bill payment, a confirmation SMS Text Message is sent to your mobile device. If you do not receive a confirmation text message, verify the transaction by viewing your recent transactions via Online or Mobile Banking or call our Customer Care Unit at (800) 837-6584 during normal business hours.



Can I set-up recurring Bill Payments within Mobile Banking?

No. You can only set up one-time immediate bill payments via Mobile Banking. Payments will process during the next Bill Pay processing time. (Bill Payments are processed each Business day at 2:00 CST.)



Can I add a new Bill Payment Payee via mobile banking?

No. Functionality is limited to sending payments to already established payees. To add a new payee, log in to your ANBTX Online Banking account, select Bill Pay, and add a new payee. You may then submit payments to that payee via your mobile device.



Can I delete a Bill Payment through my mobile device?

No. You must log in to your ANBTX Online Banking account and delete the payment within the Bill Pay module.



When I try to enter an amount for a bill payment or transfer, I cannot enter any numbers, only letters. Why?

Check your phone’s settings to make sure you don’t have Alpha-only enabled on the keypad.



What happens if I get locked out of my ANBTX Mobile Banking account?
Contact our Customer Care Unit during normal business hours at (800) 837-6584.
Note: If you are locked out of ANBTX Mobile Banking, you will also be locked out of ANBTX Online Banking.

What if I can’t get my mobile device to work with Mobile Banking?

If you experience issues when accessing ANBTX Mobile Banking, please make sure of the following:

  1. You must first enroll for ANBTX Mobile Banking before you can gain access.
  2. Your mobile device must be web enabled.
  3. Your mobile network must allow secure SSL traffic. (You may need to contact your mobile provider for verification.)


Why am I being asked to answer Challenge questions when I first log into ANB Mobile Banking?
Our behavioral monitoring software has detected a variation in your user pattern. For your protection, we ask that you verify your identity by answering your personal questions. Once verified, you will be directed to the page you requested.

How do I un-enroll from Mobile Banking?

Log in to your ANBTX Online Banking account. Select Options > Mobile Settings > Deselect Mobile Banking Access> Click Agree.



Can I control which accounts I see within Mobile Banking?

Yes. You can add or delete the accounts you want to see within Mobile Banking. Log in to your ANBTX Online Banking account. Select Options > Mobile Settings. Your available accounts are listed at the bottom of the Mobile Settings screen. Select or deselect the accounts you want or don’t want to see within Mobile Banking.



Direct Connect

What is Direct Connect?
Direct Connect is an interface between Online Banking and Intuit's financial products, Quicken and QuickBooks. It directly connects online banking accounts to these products, allowing you to download account information into the products without having to login through Online Banking.

What are the benefits of Direct Connect?
  • Easier to use: No manual entry to obtain bank transactions. Allows you to take advantage of Quicken/QuickBooks’s One Step Update feature, which instantly connects Quicken/QuickBooks to the bank’s server to download transactions and balances, and schedule payments.
  • Automatically reconcile data: Complete transaction and balance information makes categorization and account reconciliation easy.
  • No duplicate transactions: A special transaction-matching algorithm prevents the download of duplicate transactions.


What is the cost?
At this time there is no cost for Direct Connect for ANBTX Online Banking customers. You must own or purchase Quicken or QuickBooks to use Direct Connect.

What version of Quicken/QuickBooks can I use?
In order to download your account information or access it directly through Direct Connect, you must use Quicken/QuickBooks 2007 or newer versions with Online Banking.

How do I get started?
Once you load Quicken or QuickBooks on your PC, you will select the financial institution where your Online Banking account is held (American National Bank TX), log in using your Online Banking ID and password, select the accounts you would like to add to Quicken/QuickBooks, and select through Quicken/QuickBooks where you want to put the data.

What functions can be performed?
Direct Connect allows you access to your Online Banking accounts through Quicken/QuickBooks. You can download your transactions and balances, pay your bills online, transfer funds between eligible accounts, see all your finances on one page, and utilize the personal financial management tools that Quicken/QuickBooks has to offer.

How many transactions are available to import?
1 year of transaction history is available.

How are transactions updated?
Transactions are updated using Quicken/QuickBooks One Step Update feature. You will need your Online Banking password to perform the update.

Where will I find my downloaded transactions?
When you download transactions through Direct Connect, the transactions wait in the Downloaded Transactions Section at the bottom of the page. You need to review the transactions for accuracy, categorize and tag the transactions, and then accept them.

How are transfers and bill payments handled through Direct Connect?
  • Transfers
    Transfers and scheduled transfers can be made using Direct Connect. Transfers initiated before 2 p.m. CST (excluding holidays and weekends), are posted to the account the same day. Transfers completed after 2 p.m. CST (excluding holidays and weekends), will be posted on the next business day.
  • Bill Payments
    One-time payments can be made using Direct Connect. Recurring Payments cannot. Electronic payments are processed the same business day if the request is made before noon CST (excluding holidays and weekends) and require a lead-time of three to five (3-5) business days. Payments made by check are processed the same business day if the request is made before noon CST (excluding holidays and weekends) and require a lead-time of seven to ten (7-10) business days.
     
For your protection, certain types of transfers and bill payments must be made through ANBTX Online Banking and cannot be setup, edited, or changed using Direct Connect. These include:
  • Recurring or Electronic Payments
  • Editing Bill Payments
  • Password Changes


Can bill payments be deleted or cancelled through Direct Connect?
Yes. You must be careful; payments can be deleted or cancelled through Direct Connect. Once a payment is processed through the system, it cannot be reversed.

How are bill payment payees handled?
Payees entered through Quicken/QuickBooks will be paid via check. Payees will not display on the Online Banking Payee list until a payment is made. Payees from your previous bank or provider will not convert to bill pay.
NOTE: Payments made by check are processed the same business day if the request is made before 12 Noon CST (excluding holidays and weekends) and require a lead-time of seven to ten (7-10) business days.
 

Where can I get more information on my version of Quicken/QuickBooks?
Refer to Intuit’s User Guide for the product version you purchased for instructions on creating accounts and enabling them for use with Direct Connect. You may also find instructions on Intuit’s website at http://quicken.intuit.com or http://quickbooks.intuit.com

Who do I call for help with Quicken/QuickBooks?
Quicken Support: 800-811-8766 http://support.quicken.intuit.com
QuickBooks Support: 888-320-7276 http://www.quickbooks.com/support

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