Privacy and Security

American National Bank & Trust respects your privacy. Through our web site, we strive to provide valuable information and services to you. Whether you’re an existing customer or someone shopping for new bank services, we hope our site answers your questions about our products and services, locations and hours.

Our web site does not require you to disclose any personally identifying information. If, however, you choose to contact us via e-mail, by using our on-line forms or signing our guest book, please keep in mind that your e-mail address, and other information will be revealed to us. We pledge, however, that any information revealed will be used only for the purpose of answering your questions, or processing your application. Your e-mail and other personal information will not be sold, nor will it be shared with others outside of American National Bank unless we are compelled to do so by law.

We do not knowingly solicit data from children, and we do not knowingly market to children. We recognize that protecting children’s identities and privacy online is important and that the responsibility to do so rests with both the online industry and with parents.

American National Bank & Trust does use standard software to collect non-identifying information about our visitors, such as:
Date and Time our site was accessed
IP Address (A numeric address given to servers connected to the Internet)
Web Browser Used
City, State, and Country

The secure Internet Banking System (IBS) area of our site uses a “cookie” temporarily stored in the visitor’s computer memory (RAM), to allow ANB Customers to easily navigate between the ANB IBS and other Internet sites.

American National Bank & Trust has implemented several security features to ensure the privacy of your information including a password-controlled system for entry to Internet Banking Services, a VeriSign-issued Digital ID loaded onto our server, Secure Sockets Layer (SSL) protocol for data encryption.

American National Bank reserves the right to change this policy at any time by posting a new privacy policy.

Safeguarding Your Information
At American National Bank & Trust, the security of customer information is a priority. We are strongly committed to the safety and confidentiality of your records. Every day, unscrupulous individuals are busy developing new scams targeting the unsuspecting public. One of the best ways to avoid fraud is to become an educated consumer.

Watch out for copycat Web sites that deliberately use a name or Web address very similar to, but not the same as the real one. The intent is to lure you into clicking through to their Web site and giving out your personal information, such as a bank account number, credit card number or Online Banking login information.
Always use your pre-established links to access Web sites and avoid clicking on links in unsolicited e-mails. If you ever receive a suspicious e-mail representing itself as American National Bank, please forward the message in its entirety to
Ensure that your own personal computer has updated anti-virus and firewall protections. Apply security patches for all of your programs and operating systems regularly.
Passwords should be unique to you and changed regularly. Do not use birthdays or other numbers or words that may be easy for others to guess. Never write down your password or give it to another person. Use a password that is at least 8 characters long and that include numbers, letters (a mix of both uppercase and lowercase) and special characters.
Monitor your account activity frequently using our free Online and Mobile Banking services.
Sign up for free Online Banking eStatements to avoid having your paper statement sitting in an unsecure mailbox where it could be compromised.
Please keep in mind that we will never ask for, email or text you requesting your online banking password. We may on occasion call to verify other information regarding your online activity should we see something of concern in your login patterns.

In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

For personal accounts, limitations on your liability for unauthorized electronic funds transfers and other electronic errors that are covered by Regulation E are explained in the EFT Disclosure Statement in our Consumer Terms and Conditions brochure. However, if you use online services for any business activity, you assume all risk of loss for unauthorized transfers and payments, and you must establish your own internal security procedures for employees you authorize to prevent all unauthorized use by other employees or persons.

We encourage you to review our Privacy and Security link which can be found at the bottom of any page of our Web site. If at any time you have questions regarding security or possible fraud, please contact our customer service representatives at 940-397-2300 or via e-mail at If your Debit Card or ATM card is lost or stolen, call 1-866-546-8273 immediately.

Member FDIC