Frequently Asked Questions

Have a question? We've got answers.

Frequently Asked Questions

Have a question? We've got answers.

Our Frequently Asked Questions (FAQs) are here to help answer the most common questions we get on a variety of topics. Simply select from the sections below to expand and view. Don't see what you're looking for? Contact us for help.

Personal Online Banking


Online Bill Pay and Popmoney services are free*, but both offer expedited payment services that may require a fee. Any fee will be displayed and require your acceptance before payment. The fee subject to change
Yes, you can change both by logging into ANBTX Online and Mobile Banking using your existing username and password. Then go to the menu and select Service Center > User Profile > and then either Change Password or Change User ID.
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 log-in again.
     · Password guessing is deterred and reported.
For current business deposit accountholders, go to the login box on the home page of the ANBTX website. Choose 'Enroll in Online Banking'.  Follow the prompts.  You'll need your account number to sign up.
If you are a current ANBTX Online and Mobile Banking user, click on "Payments" and the system will walk you through the service and give you access to make payments.
ANBTX Online and Mobile Banking requires 128-bit encryption (a high level of coding for security purposes). If your 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 for 128-bit encryption and JavaScript.
New accounts should automatically appear on the ANBTX Online and Mobile Banking system. If for some reason your new account doesn't appear, simply call us at 1-800-837-6584 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.
Click on the "Forgot Password" link on the ANBTX.com homepage, which is to the right of the log-in, and follow the online prompts from there.

For security purposes, three consecutive invalid login attempts will lock you out of the system. Please call us at 1-800-837-6584 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.
If you get an error message, please make a note of the message and the time. Then call the Customer Care Unit at 1-800-837-6584 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.
If an account is not shown on your listing, simply call the Customer Care Unit at 1-800-837-6584 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. You can also send an in-session e-mail asking for assistance.

If you want to remove an account from your ANBTX Online and Mobile Banking, select your User Profile and click on Manage Accounts.
Business Online and Mobile Banking is a seamless digital banking experience across desktop, laptop, mobile, and tablet devices.  Our basic service is free and gives you the full functionality to check balances, transfer funds, make loan payments, pay bills, view checks and statements, set account alerts, and more.
It depends if its an electronic or check payment. When you make the payment in Online Bill Pay, you will be presented with delivery date options -- some of which are expedited and may require a fee.
Electronic and check payments are processed on the due date you select for the bill to be paid. Some check payments may be issued as a draft check on your account -- those payments will clear when the check recipient/merchant deposits them.
Call our Customer Care Unit at 800-837-6584, Monday – Friday 7:30 a.m. to 6:00 p.m. CT and Saturday 9:00 a.m. to 1:00 p.m. CT.
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.

Personal 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.
Our mobile app provides access to all of your ANBTX accounts allowing you to conveniently and easily manage your money from your mobile device.
No. You must log in to your ANBTX Online Banking account and delete the payment within the Bill Pay module.
No. There is not a search feature within ANBTX Mobile Banking.
  • ANBTX Mobile Banking App users: Yes, you can set-up recurring or one-time payments.
  • Other Mobile Devices (accessing via www.anbtx.mobi ): No, you will only be permitted to set up one-time immediate bill payments.
  • Payments will process during the next Bill Pay processing time. (Bill Payments are processed each business day at 2:00 p.m. CST.)
Yes. The ANBTX Mobile Banking App is available in Google Play. You may also use this App on your tablet.
Yes. The ANBTX Mobile Banking App is available in the iTunes Store. The App works for both iPad and iPhone.

Active Online Banking users can enroll using either a mobile device or a computer. 

From iPad, iPhone or Android:

  • Download ANBTX Mobile Banking App through Google Play or the Apple Store
  • Once downloaded, open App > Log in using your Online Banking ID and Password
  • Accept the terms and conditions by clicking checkbox next to I Agree > Click Continue to   proceed
  • Complete the fields and click Enroll Now
  • Upon successful enrollment, you will be directed to the Menu or Accounts screen.
 

From other mobile devices:

  • Log in to your Online Banking account at www.anbtx.com
  • Select the Options Mobile Settings
  • Complete the required information including the selection of accounts, mobile phone number, and wireless provider
  • Review the Mobile Banking Agreement and click Confirm to complete the enrollment process
  • An SMS text message with the enrollment confirmation and a link to ANBTX’s mobile website will be sent to your mobile device within 24 hours following successful completion of your enrollment.
You must be an online banking customer to sign up for and use mobile banking. You may be charged access rates depending on your carrier. Web access is needed to use mobile banking. Check with your service provider for details on specific fees and charges.
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, you can verify the transaction by viewing your recent transactions via Online or Mobile Banking or call our Customer Service Department at (800) 837-6584 during normal business hours
Log in to your ANBTX Online Banking account. Select Options > Mobile Settings > Deselect Mobile Banking Access> Click Agree.
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.

If you get a new phone, and 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 ANBTX Mobile Banking App, you will have to download the App to your new phone.

With ANBTX Mobile you can:
  • View Account Balances
  • View Transaction History
  • Transfer Funds between accounts
  • Pay Bills
  • Pay a Person
  • Manage alerts and more
Contact our Customer Service Department 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
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.
Since your account data is not stored on your mobile device, your information cannot be stolen.
ANBTX Mobile Banking will work with any web-enabled mobile device whose networks allow secure SSL traffic. This includes tablet devices.
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.

Personal MoneyHD™


MoneyHD™ is a PFM, Personal Financial Management tool, that helps you budget and manage your finances.  It allows you to import all of your accounts, across multiple institutions, so you can see your balances and transactions all in one place.  It is available for free through online banking.
Open the Accounts View and click on [+Add an Account] in the sub navigation bar.  Type the name of your institution to search our database, then select the correct option from the list and enter your login credentials. 
 
If your institution is not supported, you can add and manage your accounts manually.  This will require that you periodically edit your account to update the balance.  See “How do I edit an account?”  Entering manual transactions will also update your balance accordingly.  See “How do I add a transaction?”
1) Set up your account, 2) Add all accounts, 3) Categorize transactions, 4) Create budgets.
 
1) Log in to your online banking and find the link for “MoneyHD™”.  Accounts from your primary institution will automatically begin syncing to MoneyHD™.  Follow the instructions in the setup wizard to add your accounts with other financial institutions.  Enter your profile information to complete the setup.
 
2) When the initial setup is complete, open the Accounts View and verify that you have added all of your financial accounts.  Add any missing accounts and manual accounts for property, like homes or vehicles.  You can also create manual accounts for accounts that are not supported or are broken.  See “How do I fix an account that is ‘broken’?”
 
3) After all of your accounts have been added, open the Transactions View and review your transactions for accuracy.   Transactions are automatically categorized for you, but they are not always accurate and may need to be re-categorized.  Your changes will be applied to future transactions.  You may want to enter additional details about your transactions; see “How do I manage my transactions?”
 
4) With your transactions correctly categorized, you can easily create budgets based on your actual spending history.  Open Budgets and follow the instructions to generate a budget.  You can also create a budget manually.  See “How do I create a budget?”
It depends on the institution, but you will usually need to add each account separately.  This means that if you have 3 accounts with an institution, such as checking, a loan, and a credit card, you will need to enter your login credentials for that institution for each account.
Open the Accounts View and click on the account you wish to edit.  This opens the account detail view where you can change an account name, type, and interest rate.  You can also edit the account balance of manual accounts.
Not all institutions are able to send us that information.  You should always check your loan details to make sure they are correct in MoneyHD™.
Open the Accounts View and click on the account you wish to delete.  Click on the trashcan icon and confirm your decision to delete the account.  You cannot delete an account from your primary institution, so the trashcan icon will not be present.  You can, however, exclude a primary account by clicking on [Exclude from App] in the transaction detail view. This will exclude the account and its transactions from being calculated into your budgets, spending etc.
 
Note that deleting an account also deletes all historical balance and transaction data associated with that account.  Do not delete an account unless you are sure you are okay with losing all associated data.
No, so only delete an account if you’re okay with losing all history for that account.  Otherwise, try adjusting the Show/Hide account settings for the account instead.  Also, know that if you delete an institution, all accounts under that institution will also be deleted.
From the Accounts View, broken accounts will be displayed with an exclamation point in red over the top right corner of the account card.  Click on the “broken” account to open the account detail view, then click on the red warning message in the Link Status section.  You may be required to re-enter your login credentials. A notification will also appear on the “Manage Institutions” icon in the navigation bar.
 
If the account continues to fail:
  1. Login to your financial institution’s online banking to verify your login credentials are correct and that there are no holds on the account preventing you from signing in.
  2. Add the account again, and pay special attention to the URL to make sure you are attempting to add the correct financial institution.  Many institutions have similar names and websites.
  3. Contact MoneyHD for support.  See “How do I get help?”
There are many types of online banking accounts, and not all are compatible with common aggregation methods.  MoneyHD™ utilizes multiple aggregation sources and uses an aggregation engine to provide the best possible coverage, but when an unsupported institution is encountered, a manual account can be created in the Accounts View.
Yes.  Open the Accounts View and click on [+Add an Account] in the sub navigation bar.   Choose the account type and enter your account details, then click [Save It].
 
You will need to update this account manually by updating the balance and entering transactions periodically.
Open the Accounts View and click on [+Add an Account] in the sub navigation bar. Choose “Property” as the Account Type and select the appropriate Property Type. Enter in the account details and click [Save It].
Manual transactions can only be added to manual accounts.  Transactions associated with linked accounts will be imported automatically when you sign on.  To add a manual transaction, open the Transactions View and click on [+ Add Transactions] in the sub navigation bar.
Select a manual account from the dropdown menu, enter the transaction details, and click on [SAVE IT].
Click on a transaction to open the transaction detail view.  To categorize a transaction, click on the category field of the transaction line and select from the dropdown menu.  You can also edit other transaction details like payee description, tags, flags, and memos, as well as split a transaction from this view.
When transactions are imported, they are auto-categorized based on how you and other users have categorized similar transactions. When you change a transaction category, MoneyHD™ will remember your preference for next time.
The Transactions View provides an easy way to review or find transactions from any account, over any time period.  You can use the date range selector to determine what time frame the transactions represent, or you can use the search field to filter by payee, account, tags, amount, category, or date. 
 
You should always take a moment to review newly imported transactions.  Not only does this help you keep track of your spending, but will also help you to quickly identify fraudulent charges.  When reviewing your transactions, make sure you recognize the transaction, and verify that it is categorized correctly. 
 
To view more or edit detail on a transaction, just click on it.  You can customize your transactions using the following features:
 
  • Category – Categorize transactions so your spending will be accurately reflected in Spending and Budgets.  Click on the category field and select the correct category from the dropdown list.
  • Flags - Flag a transaction “B” for business-related, “P” for personal (default), or mark it with a flag to make it stand out in the transaction list. 
  • Tags – Create custom tags to label transactions for searching.  For example, you may wish to tag tax-related expenses, or expenses related to a vacation or family goal.
  • Memo – Add a memo when you need to remember special details about a transaction.
Split – Split a transaction between multiple categories to account for specific amounts in Spending and Budgets.
MoneyHD™ will import 90 days of transaction history from your primary institution.  The amount of data that will be imported from other institutions depends on the institution. 
 
After the initial account setup, MoneyHD™ will pull new transactions from the last 30 days, so you must sign in at least once every 30 days to avoid creating a gap in your data.
MoneyHD™ will save your history for as long as you keep your account with your primary institution.
Click on the transaction you wish to change to open the transaction detail view, then click on the category field to see a list of existing categories.  You are able to create a custom subcategory beneath any of the main categories, but you cannot create a new main category.  Hover over the main category your custom subcategory will belong to, then click on [Enter A New Sub-Category] in the side menu.  Name your subcategory and click [+] to confirm.
There is a special category called “Transfer” for loan payments and transfers that will exclude those transactions from Spending and Budgets. 
 
A word on loan payments – All loan payments have two transactions: the negative transaction of money leaving your bank account, and the positive transaction of money paid towards the debt, decreasing what you owe.  (Note: This is not the case with credit cards.  Keep reading to see more on credit cards.)  The negative transaction should be categorized as the expense, so your budget will reflect your spending on that category.  The positive transaction should be categorized as a transfer, so it does not void the expense of the loan payment. 
 
For example:  The negative transaction of a mortgage payment would be categorized as Home: Mortgage & Rent, and the positive transaction would be categorized as Transfer: Mortgage Payment.  You can create custom subcategories for all of your loan payments if you wish.
 
A loan payment essentially is a transfer.  The money leaves your bank account, but you then own that much more of the asset associated with the debt, like a home or car.  Credit cards are different, because there is no asset associated with the debt.  A credit card payment is repayment for money borrowed, on transactions already accounted for in your budget.  If you actively use your credit card, payments on that card should be categorized as Transfer: Credit Card Payment.  If you are paying off your credit card, and would like to track your progress in Spending and Budgets, see “How do I budget for paying off debt?”
If you are working on paying off a credit card, congratulations!   We recommend that you create a custom subcategory to track your progress, such as Bills & Utilities: Credit Card Payoff.   This will allow you to see in Spending and Budgets Views how much you have spent towards paying down that debt. 
 
It is recommended that you do not use your card for purchases while you are paying it off.  Not only will it be easier to stick to your goal if you just don’t use the card, but it is more difficult to account for your credit card payoff if you are actively accruing debt on the card. 
 
If you must use your credit card while you are paying it off, you can split the transaction between Transfers: Credit Card Payment for the portion that pays back what you spent, and Bills & Utilities: Credit Card Payoff for the amount that will be applied to the previous balance.
 
If you also want to track separately how much of your credit card payment is applied to interest vs. what you owe, see “How do I account for interest paid on a loan?”
Some institutions send a separate transaction for principle paid and interest paid on a loan, but some institutions only send a single transaction for the total amount paid.  If your institution sends a single transaction for principle + interest paid, you can split the transaction.
 
Click on the transaction to open the detail view, and click on [Split Transaction].  Use the Fees and Charges category to track your interest paid.  You can add a custom subcategory for all your loan payments if you wish.  You will need to obtain the amount spent on interest vs. principle from your financial institution. 
 
Note: The debt account balance will always be accurate, as the institution sends us the remaining balance regardless if the transaction is displayed.
The Spending View displays your spending across all categories for the time period selected.  Use the date range selector to specify what date range you would like to see. 
 
You can click on a category from the list, or in the wheel, to see your subcategory spending.  Then click the center of the wheel or from the list to see the specific transactions in the selected subcategory.
 
Note: Your transactions must be categorized for the Spending Wheel to show actual spending.  If your spending in a given category looks wrong, review your transactions for inaccuracies.
Open the Budgets View, click on the [+ Add a budget] in the sub navigation bar, and select a category from the dropdown menu.
The Budgets View can help you track and control your spending in select budget categories.  You can use budgets to track all of your regular household expenses, or just specific categories that you want to monitor more closely.  Budgets are useful for setting and working towards financial goals, or simply being more aware of your spending habits.
Review your transactions to make sure they are categorized correctly.  A “missing category” is caused by a large income transaction that has been categorized inappropriately.
Click on the gear icon in the navigation bar to open Settings, and then click on the Alerts tab.  Click the envelope icon next to each alert you want to receive.
Click on the gear icon in the navigation bar to open Settings, and then click on the Profile tab.
Click on the gear icon in the navigation bar to open Settings, and then click on the Mobile Devices tab.  Enter your old password, choose and confirm your new password, and click “Change Password” to save.
Absolutely.  Industry leading encryption technology is used to protect your data.  MoneyHD™ places your privacy and security as its highest priority.  The MoneyHD™ applications are as secure as your regular home banking.
Email and print functionality is currently available exclusively on the iPad MoneyMobile app.
Click on the “?” icon in the navigation bar to open the help options.  You can watch a tutorial on the widget you’re using, search our knowledge base for answers, or submit a support request. 
 
To get help from an iPhone or iPad, open Settings and tap on “Feedback”.

Business Online Banking


Business Online and Mobile Banking is a seamless digital banking experience across desktop, laptop, mobile, and tablet devices.  Our basic service is free and gives you the full functionality to check balances, transfer funds, make loan payments, pay bills, view checks and statements, set account alerts, and more.
For current business deposit accountholders, go to the login box on the home page of the ANBTX website. Choose 'Enroll in Online Banking'.  Follow the prompts.  You'll need your account number to sign up.
If you are a current ANBTX Online and Mobile Banking user, click on "Payments" and the system will walk you through the service and give you access to make payments.
Online Bill Pay and Popmoney services are free*, but both offer expedited payment services that may require a fee. Any fee will be displayed and require your acceptance before payment. The fee subject to change
Click on the "Forgot Password" link on the ANBTX.com homepage, which is to the right of the log-in, and follow the online prompts from there.

For security purposes, three consecutive invalid login attempts will lock you out of the system. Please call us at 1-800-837-6584 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.
Yes, you can change both by logging into ANBTX Online and Mobile Banking using your existing username and password. Then go to the menu and select Service Center > User Profile > and then either Change Password or Change User ID.
It depends if its an electronic or check payment. When you make the payment in Online Bill Pay, you will be presented with delivery date options -- some of which are expedited and may require a fee.
Electronic and check payments are processed on the due date you select for the bill to be paid. Some check payments may be issued as a draft check on your account -- those payments will clear when the check recipient/merchant deposits them.
If an account is not shown on your listing, simply call the Customer Care Unit at 1-800-837-6584 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. You can also send an in-session e-mail asking for assistance.

If you want to remove an account from your ANBTX Online and Mobile Banking, select your User Profile and click on Manage Accounts.
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 log-in again.
     · Password guessing is deterred and reported.
Call our Customer Care Unit at 800-837-6584, Monday – Friday 7:30 a.m. to 6:00 p.m. CT and Saturday 9:00 a.m. to 1:00 p.m. CT.
ANBTX Online and Mobile Banking requires 128-bit encryption (a high level of coding for security purposes). If your 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 for 128-bit encryption and JavaScript.
New accounts should automatically appear on the ANBTX Online and Mobile Banking system. If for some reason your new account doesn't appear, simply call us at 1-800-837-6584 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.
If you get an error message, please make a note of the message and the time. Then call the Customer Care Unit at 1-800-837-6584 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.
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.

Business Mobile Banking


Active Online Banking users can enroll using either a mobile device or a computer. 

From iPad, iPhone or Android:

  • Download ANBTX Mobile Banking App through Google Play or the Apple Store
  • Once downloaded, open App > Log in using your Online Banking ID and Password
  • Accept the terms and conditions by clicking checkbox next to I Agree > Click Continue to   proceed
  • Complete the fields and click Enroll Now
  • Upon successful enrollment, you will be directed to the Menu or Accounts screen.
 

From other mobile devices:

  • Log in to your Online Banking account at www.anbtx.com
  • Select the Options Mobile Settings
  • Complete the required information including the selection of accounts, mobile phone number, and wireless provider
  • Review the Mobile Banking Agreement and click Confirm to complete the enrollment process
  • An SMS text message with the enrollment confirmation and a link to ANBTX’s mobile website will be sent to your mobile device within 24 hours following successful completion of your enrollment.
You must be an online banking customer to sign up for and use mobile banking. You may be charged access rates depending on your carrier. Web access is needed to use mobile banking. Check with your service provider for details on specific fees and charges.
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.
Yes. The ANBTX Mobile Banking App is available in the iTunes Store. The App works for both iPad and iPhone.
Yes. The ANBTX Mobile Banking App is available in Google Play. You may also use this App on your tablet.
With ANBTX Mobile you can:
  • View Account Balances
  • View Transaction History
  • Transfer Funds between accounts
  • Pay Bills
  • Pay a Person
  • Manage alerts and more
ANBTX Mobile Banking will work with any web-enabled mobile device whose networks allow secure SSL traffic. This includes tablet devices.

If you get a new phone, and 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 ANBTX Mobile Banking App, you will have to download the App to your new phone.

Contact our Customer Service Department 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
Since your account data is not stored on your mobile device, your information cannot be stolen.
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.
Our mobile app provides access to all of your ANBTX accounts allowing you to conveniently and easily manage your money from your mobile device.
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.
  • ANBTX Mobile Banking App users: Yes, you can set-up recurring or one-time payments.
  • Other Mobile Devices (accessing via www.anbtx.mobi ): No, you will only be permitted to set up one-time immediate bill payments.
  • Payments will process during the next Bill Pay processing time. (Bill Payments are processed each business day at 2:00 p.m. CST.)
No. You must log in to your ANBTX Online Banking account and delete the payment within the Bill Pay module.
No. There is not a search feature within ANBTX Mobile Banking.
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, you can verify the transaction by viewing your recent transactions via Online or Mobile Banking or call our Customer Service Department at (800) 837-6584 during normal business hours
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.
Log in to your ANBTX Online Banking account. Select Options > Mobile Settings > Deselect Mobile Banking Access> Click Agree.

SBA Loans


A Preferred SBA Lender is authorized and approved to underwrite the loan application instead of submitting it to the SBA for approval.  This saves time and ensures a smooth application process.
The Small Business Administration (SBA) is a US government agency that approves loans to small businesses.  Most SBA loans are issued through approved financial institutions.  The SBA guarantees a portion of the loan.  The guarantee gives financial institutions more flexibility with loan terms.
Not all businesses qualify for a Small Business Loan.  For example, financial institutions, life insurance providers, passive businesses and speculative businesses do not qualify.  In addition, qualifying businesses must
  • Do business in the US
  • Operate for profit
  • Meet SBA business size standards
  • Have a reasonable amount of invested equity
  • Demonstrate the ability to repay the loan
  • Purchase of machinery and equipment
  • Purchase of furniture, fixtures, and leasehold improvements
  • Purchase of owner-occupied commercial real estate
  • Building construction or expansion
  • Debt refinancing
  • Working capital
  • Business acquisition
  • Partner buyouts
For your iniitial discussion:
  • Business overview
  • Reason for loan inquiry
  • Interim financial statements
  • Three years worth of business and personal tax returns
  • Personal financial statement
At time of application
  • Completed loan application
  • Business plan with projections and assumptions
  • Accounts payable and accounts payable aging reports
  • Affiliate company information
  • Additional information as required

Mortgage Terms


Amortization is the payment of debt in regular, periodic installments of principal and interest.
Fee charged by the lender to cover a portion of the costs of processing a loan application.

Mortgage Refinance


Refinancing your mortgage means you will be obtaining a new loan to replace the loan you currently have on your home.
You may consider refinancing if you want to shorten the length of your repayment term for your mortgage, lower your monthly mortgage payment, or pay off high-interest-rate debt.
As a general rule, it is most advantageous to consider mortgage refinance when:
  • Mortgage interest rates are falling or historically low
  • Your home has materially increased in value
Yes. A cash-out refinance loan would allow you to take cash out of your house.
There are several reason's to consider refinancing,including:
  • You want to lower your monthly payment.
  • You want to reduce the total amount you pay for your home.
  • You want to pay off your loan sooner.
  • You want to use your home's equity to take cash out for things like making home improvements, consolidating debt, or making a large purchase.
A cash-out refinance may help homeowners who want to consolidate high-interest debt because your mortgage interest rate is likely to be lower than rates on credit cards or other types of loans.
In most cases you will need to have your house appraised in order to refinance.

Personal Trusts


A living trust allows you to remain both the trustee and the beneficiary of the trust while you’re alive. You maintain control of your assets and receive all income and benefits. Upon your death, a designated successor trustee manages and/or distributes the remaining assets according to the terms set in the trust, avoiding the probate process.
A special needs trust is typically designed to benefit a disabled individual and provides for supplemental care. Instead of giving assets to the beneficiary directly, assets are transferred to a special needs trust by family members or as damages paid because of a lawsuit, and those assets are available for the beneficiary without disqualifying him or her from  government programs such as Social Security Income and Medicaid.
A survivor’s trust is a trust created by an individual during life, and becomes irrevocable after his or her death, providing for a surviving spouse, domestic partner or other loved one(s). “Survivor's trust” is a general term for a variety of common trusts, including trusts referred to as A-B trust, marital trust, family trust, bypass trust or credit shelter trust.
A charitable lead trust (CLT) benefits your favorite charity while serving your own trust needs. It lets you pay a charity income from a particular asset for a designated amount of time, after which the principal goes to the beneficiaries, who can receive the property free of estate taxes.
A charitable remainder trust (CRT) allows you to receive income and a tax deduction at the same time, and ultimately leaves your assets to a charity. Through this trust, the trustee will sell the donated property or assets, tax-free, and establish an annuity payable to you, your spouse or your heirs for a designated period of time, with the remaining assets going directly to the charity.
A generation-skipping trust can help preserve your generation-skipping transfer tax exemption on bequests to your grandchildren and avoid the tax on bequests exceeding that amount, which could exceed 40%.
An irrevocable life insurance trust (ILIT) is often used as an estate tax funding mechanism. Under this trust, you make gifts to an irrevocable trust, which in turn uses those gifts to purchase an insurance policy on your life. Upon your death, the policy’s death benefit proceeds are payable to the trust, which in turn provides tax-free cash to help beneficiaries meet estate tax obligations.

ANBTX Trusteed IRA


The IRA owner can control the distribution of the IRA assets after death without needing to create an additional trust for that purpose.
No. The tax rules for trusteed IRAs and custodial IRAs are the same.
An IRA owner can elect to have a trusteed IRA payout directly to a beneficiary upon their death or to have it retained in trust with payouts restricted as they elect. So, there is greater flexibility. However, trustee’s standard fees will apply upon initial IRA owner’s incapacity, and/or if the IRA remains in the trust after the initial IRA owner’s death. Note: To restrict payouts of a custodial IRA after account owner’s death, a separate trust typically needs to be drafted by an attorney during account owner’s lifetime and named as beneficiary of the IRA.
Clients with $500,000 to $3 million in IRA assets that represent the bulk of their estate are the typical target.
There is not a minimum to establish a trusteed IRA. However, once the IRA owner dies the trustee ANBTX Trust Division reserves the right to pay out the balance directly to beneficiaries—even if a restricted payout is chosen—if the account is deemed too small to administer or does not meet the minimum account size.
The IRA owner may transfer, withdraw funds, or close the account during their lifetime, subject to the same rules as a custodial IRA.
Once the IRA owner dies, the trust becomes irrevocable. It may be possible for the IRA beneficiary to move the IRA to a different trustee (subject to their acceptance of the trust’s terms), but the terms of the trust (such as payout restrictions), will remain in effect.
Yes. A trustee can be authorized to continue to use the assets for the benefit of a disabled account owner and/or their family, in accordance with IRS rules regarding IRA distributions.
Yes, the account owner can change beneficiaries and payout options at any time during their lifetime
Payout options can vary between beneficiaries. For example, one child can be given more liberal access to funds than another. In some case, parents feel that it is in the best interests of a particular child to restrict the availability of funds over time.

Safe Deposit Box


Each policy provides $3,000 of coverage for your important papers such as: titles, wills, deeds, immigration papers, passports, discharge orders, or other important documents or personal mementos. This coverage provides discretionary funds to assist you in obtaining or finding replacements for these items.
Anything you can place in a safe deposit box that is legal for you to own or possess is covered. Whether it is gold, silver, other precious metals, diamonds, cash, currency, gold certificates, bank notes, coins, bonds, securities, jewelry, rare books, stamps, historical documents, lithographs, drawings, sports memorabilia, fine art, antiques, firearms, or any type of collectable; it is covered subject to the limits purchased.
Partially or not at all. There are significant limits on the amounts of coverage limits that are available for property typically stored in a safe deposit box (usually about $1,500), and numerous types of properties like gold, precious metals, cash and coins are not covered at all under a homeowner's policy. You are oftentimes not insured against floods or perhaps even hurricanes under your homeowner's policy. If you use a rider to insure your property, while you may be able to obtain higher limits, all of the other homeowner policy coverage limitations apply, and you must itemize the property being stored in the box and provide third party appraisals for coverage to be effective. The rate for the coverage together with the cost of the appraisal of stored items is almost always higher than the cost of purchasing Safe Deposit Box Insurance Coverage.
Yes, limits up to $1,000,000 are available. Please contact SDBIC if you desire limits above $50,000 at 224.227.6181 or email us at [email protected].
Safe deposit boxes are the best storage option to protect your valuables. Unfortunately, they do not protect you against burglaries, robberies, flood, fire, hurricanes, or other man made or natural disasters. When these events occur, they damage or destroy the contents of safe deposit boxes more often than people realize. 
The cost depends on the coverage limit you select. Just choose the amount of coverage limit and find the corresponding premium cost in the pricing schedule. It is relatively inexpensive, with insurance starting at $25 annually for $5,000 of coverage. There is no deductible so there is no out-of-pocket cost when a loss does occur.