Personal Accounts
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ATM
24 hour banking at any of our convenient local locations. In addition, there are tens of thousands of surcharge-free ATMs available coast to coast on the MoneyPass network.
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We offer free notary services for all customers.
If your Debit Card or ATM card is lost or stolen, call 1-866-546-8273 immediately
For Debit Card Activation, please call 1-888-892-3809.
- ATM – 24-hour banking, nationwide through the Cirrus system
- TeleBanker – Our bank-by-phone service 940-691-BANK (2265) or 972-724-4ANB (4262)
- Internet banking
- Quick and Easy Guide to online Banking and Bill Pay
- Auto Leasing
- Trust Services
- Blank Financial Statement (requires Adobe Acrobat)
- Incoming Wire instructions: American National Bank & Trust ABA: 111907144 Beneficiary: Customer Account Name Account Number: Customer Account Number – Incoming International U.S. Dollar Wire Instructions: Wire to: TIB (The Independent Bankers Bank) Swift Code: TIBBUS44 Beneficiary: American National Bank & Trust Account Number: 111907144 FFC: Customer Account Name Customer Account Number
- American National Bank Account Switch Kit
Features:
- Minimum amount to open account is $50.
- $6 monthly fee.
- $3 paper statement fee.
- Monthly fee may be reduced by $.10 with each debit card transaction.
(Debit card transactions are counted for the fee buy down when they are posted to the account. Transactions made during the statement cycle but not yet posted will count for the fee buy down on the next statement cycle.)
Features: The “PLUS” includes earning a higher rate of interest on your balance
- If you maintain a balance of $2,500 with limited checkwriting, this account is a great opportunity.
- If balance falls below the minimum, there is a $7.50 service charge.
- You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction or by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited
- If you make more than 6 transfers or withdrawals made by check, draft, debit card or similar order made by the depositor and payable to third parties, there will be a $25.00 per transaction fee assessed.
- Option of eStatements or paper statement at no extra charge
- This is a tiered rate account (See Rates for tiers)
Features: The “GOLD” includes earning a higher rate of interest on your balance.
- You must maintain a balance of $2,500 in another ANB account to open this account
- If you maintain a balance of $25,000 with limited checkwriting, this account is a golden opportunity.
- If balance falls below the minimum, there is a $25.00 service charge.
- You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction or by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited
- If you make more than 6 transfers or withdrawals made by check, draft, debit card or similar order made by the depositor and payable to third parties there will be a $25.00 per transaction fee assessed.
- Option of eStatements or paper statement at no extra charge
- This is a tiered rate account (See Rates for tiers)
SELECT FROM THE FOLLOWING OPTIONAL SERVICES:
- Unlimited use ATM card at ANB machines & MoneyPass Network – FREE
- ANB Debit Card – FREE
- Bill Pay – FREE
- Internet Banking – FREE
- TeleBanker – FREE
Features:
- Terms range for 30 days to 5 years
- Minimum of $1,000.00 to open
- Interest compounds monthly
- Interest paid monthly (paid quarterly if balance under $5,000.00)
- “Raise the Rate” option on all CD’s of 6 months of term or longer
- Can withdraw interest earned before maturity with no penalty
- See Rate Sheet for rates
JUMBO CERTIFICATES OF DEPOSIT
Features:
- Terms range from 30 days to 5 years
- Minimum of $250,000.00 to open
- Interest compounds monthly
- Interest paid monthly
- “Raise the Rate” option on all CD’s of 6 months terms or longer
- Can withdraw interest earned before maturity with no penalty
- See Rate Sheet for rates
The minimum opening balance for this savings account is $100. No service fee is charged if the minimum balance is $300 or more and you have no more than one withdrawal per month. Any additional withdrawals are $1.00 each. For balances under $300, a $3.00 per month maintenance fee is charged. Interest is compounded and paid quarterly on accounts with a minimum balance of $100 or more. Your accounts may be linked for overdraft protection.Of course, you’ll have FDIC coverage on your savings account; and you can use your ATM card to make a withdrawal without making a trip to the lobby.
An IRA, ROTH, SEP, HSA and CESA offer important tax-deferred options and benefits. Because of these, certain restrictions are placed on deposits and withdrawals. As with any important financial decision, we recommend that you contact your tax advisor for specific details on how you are affected. the following are some details pertinent to these accounts.
Minimum Investment
You can open an IRA for as little as $200, so you can begin planning for retirement without significantly altering your current lifestyle.
Annual Contributions
Federal law allows a maximum annual contribution. These limits may increase annually. Contributions may be made in a lump sum or periodically throughout the year.
FAQs (Frequently Asked Questions):
- What is an HSA? This is an account that allows individuals to pay for current health care expenses and save for future qualified medical and retiree health expenses on a tax free basis.
- Who is eligible? The individual must be covered by a “High Deductible Health Plan” (HDHP), must not be covered by other health insurance (does not apply to specific injury insurance and accident, disability, dental care, vision care, long-term care), is not eligible for Medicare, and can’t be claimed as a dependent on someone else’s tax return. A HDHP is a plan with a minimum deductible of $1,000 (self only) or $2,000 (family plan). Annual out of pocket (including deductibles and co-pays) cannot exceed $5,000 (self only) or $10,000 (family).
- Who can contribute? Either the employer or the individual or both. The employer can make a pretax contribution to the HSA on behalf of the employee and the employee can make contributions with pretax dollars also. All contributions are aggregated.
- What are the contribution limits? For an eligible individual that is covered by the same HDHP plan for the entire calendar year, the maximum annual contribution is the deductible amount not to exceed $2,600 (2004) or $2,650 (2005) for those with single coverage, or $5,150 (2004) or $5,250 (2005) for those with family coverage. In future years, these amounts will be adjusted for cost-of-living increases in increments of $50. Also, catch-up contributions are allowed for individuals who are ages 55 and older.
- What happens to money not used during the year? Any amounts not used may grow tax free and can be carried forward to future years. They can also be rolled over into other health savings accounts if the employee changes jobs.
- Must the bank monitor expenditures? No! The account beneficiary is responsible to make payments to his or her own service providers. The trustee bank has no duty to monitor the payments.
- American National Bank offers a Health Savings Account. The product is a Savings Account that earns interest at the same rate and same tier as the Money Market Account, has a FREE Debit Card and NO monthly service charge. There is a required minimum deposit of $100 to open and a one-time set-up fee of $25.