Online Banking FAQ

I have questions about:

• General Online Banking
• ID and Password
• Managing my accounts via Online Banking
• Need more information? Visit the Virtual Education Center

General Online Banking Questions

• Do I have to be an Amarillo National Bank customer to use Online Banking?

  Yes, you must have at least one Amarillo National Bank account to use our online banking services.

• How do I sign up for Online Banking?

  First-time users, click here.

  The easy on-screen directions will walk you step-by-step through the sign-up process, provide you with a temporary password and help you create your own confidential Access ID and password.

• Once I request to be signed up for Online Banking, how long before I can begin using the service?

  Within three to five days of your request, your accounts will be activated and you may begin using Online Banking. Simply enter your Access ID and password to access your accounts — if the activation process is complete, you'll be taken directly to your accounts page.

• What are the system requirements to access Online Banking?

  There are just a few requirements. You need Internet access by PC, Web TV or other means. To use Online Banking features, your Web browser needs to be Microsoft® Internet Explorer® 5.5 (or greater) or Netscape® Navigator 6.0 (or greater). The bank uses 128-bit encryption to help ensure your security, so your Web browser needs to support that encryption as well. The versions we specify above already support the appropriate level of encryption.

  • To download the latest version of Microsoft Internet Explorer, click here.
  • To download the latest version of Netscape Navigator, click here.
  • To download the latest version of Mozilla Firefox, click here.

• What type of transactions can I complete using Online Banking?

  Just about every basic banking transaction short of making a physical deposit or cash withdrawal can be done online. For example, you can review and print transaction statements or monthly account statements, pay your bills, and transfer funds between accounts. You can also select, sort and export transactions to personal financial management applications such as Microsoft® Money and Quicken®.

  If you have ANB CDs and/or loans, you can even check your statements and balances via Online Banking (although you cannot transfer funds directly to these accounts).

• Is there a daily cut–off time to complete transactions on the current business day?

  Yes. Transactions completed via Online Banking on weekdays (Monday–Friday) before 5 p.m. will post to your account the same day. Transactions completed after 5 p.m. or on weekends will post to your account the next business day.

• What is the charge for using Online Banking?

  Online Banking is a free service provided to Amarillo National Bank customers. Online Bill Pay service is also free to personal account holders, however it is not available to business accounts.

• Where can I get help with understanding and using Online Banking?

  We have a very handy Online Help section, available by clicking "Help" on the main menu bar at any time. But if you'd like to speak to a real person about anything, contact ANB by phone or e-mail at your convenience.

• How do I change the viewing screen size of my monitor?

  The optimal viewing size (screen resolution) for Online Banking is 800x600. Changing your screen resolution may help make Online Banking easier to use, but keep in mind that it will change the viewing size for all applications.

  For PC users:

  1. Click on the Start button on the main Microsoft® Windows® screen.
  2. Go to Settings, then open the Control Panel.
  3. Select Display, then click on Settings.
  4. From there, change your screen size to 800x600.

  For Mac users:

  1. Open System Preferences and click Displays. This will show you the preferences for your display and color settings.
  2. Click the Display tab, and change your screen size to 800x600.

• How do I enlarge the size of the text as it appears on my screen?

  You may change the size of the text by selecting View in the main header bar, then Text Size and selecting the size you prefer. Note: Changing the viewing screen size of your monitor will also enlarge the text appearance.

ID and Password questions

• For a new account, what do I enter in the Access ID and Password box (on the login screen)?

  When you open the account, you will receive an initial Access ID and password for your first–time login. The first time you log in, you will be prompted to select a new ID and password.

  Your ID must be at least six characters, and your password must have eight to twelve alphanumeric characters — at least one letter and at least one number. Both ID and password are case sensitive, which means that upper- and lower-case characters should be typed exactly as they appear.

• How do I change my password?

  Once you're in Online Banking, select the Change Password button on the main menu bar. Enter your current password, then enter your new password twice. Your password may be eight to twelve alphanumeric characters. For optimum security, it's best to use at least one letter and at least one number.

• What do I do if I forget my password?

  You'll need to set up a new password — but don't worry, we can help. Just contact ANB by phone, e-mail or during your next bank visit.

• What happens if I incorrectly enter my password?

  If you enter your Access ID or Password incorrectly five consecutive times, you will be locked out of Online Banking. This is one part of our comprehensive security plan to ensure confidentiality. To gain access again or to receive a new password, contact us by phone, e-mail or during your next bank visit.

Questions about managing your accounts via Online Banking

• Which accounts will I be able to view through Online Banking?

  You may view any ANB checking, savings, credit card, CD or loan account on which you are an authorized signer.

• Can I find out CD information (such as the maturity date) via Online Banking?

  Yes, you can use Online Banking to find out the following information on any ANB CDs you own:

  • Maturity date
  • Balance
  • Interest received
  • Interest rate
  • Transaction activity

• Can I find out loan information (such as the loan rate) via Online Banking?

  Yes, you can use Online Banking to find out the following information on any of your ANB loans:

  • Loan rate
  • Payment amounts
  • Due dates
  • Interest paid
  • Principal balance
  • Payoff information
  • Escrow disbursements
  • Taxes paid
  • Loan and maturity date

• How do I add accounts for viewing on Online Banking?

  When you open a new ANB account, our Online Banking system will automatically add your account to your online profile. However, if you have two accounts under slightly different names (for example, "Kimberly Smith" and "Kim Smith") our system might consider those two different account-holders. In that instance, you can call a customer service representative and we can modify the system to recognize both accounts as yours. If you are not able to view all of your accounts on Online Banking, please contact us by phone or e-mail.

• How do I view my account balances?

  Select Accounts from the main menu near the top of the screen.

• What screens can I print from Online Banking?

  You may print any screen that appears within the Amarillo National Bank website. To print, click on the Print option under File at the top left of your screen, or click on the Print icon in your toolbar near the top of the page.

• Does the balance shown on the Accounts Summary page include all transactions that have posted to my account?

  For Checking and Savings information, all transactions that have been presented to the account (including those presented today) are included in the balance. This includes Online Banking Transfers and any ACH (Automated Clearing House) transactions made during the day. ACH Transactions include direct deposits, direct payments of bills, business-to-business payments, e-checks or e-commerce payments, etc.

• Will Online Banking display transactions that will overdraw the account and/or be considered NSF (non-sufficient funds) transactions?

  Yes, the transactions will be displayed on Online Banking — except for items that attempt to pay outside the $600 overdraft limit.  These items won't post and therefore you won't be able to view the transaction. (This includes instances where a deposit is being held because funds are not available to pay the item.)

• Can I transfer funds between any of my accounts?

  At this time, you may complete transfers to and from checking and savings accounts.

• How do I request a transfer of funds between accounts?

  For Express Transfers:

  1. Start on the Accounts Summary page and select Express Transfers from the main menu bar.
  2. Next, select the starting account for the transfer (where you want the money to come from).  
  3. Then select the destination account (where you want the funds to go) and type in the amount of the transfer.

  To make a transfer while working within an account:

  1. Start on the Accounts Summary page and select the starting account for the transfer (where you want the money to come from).
  2. Then select Transfers from the main menu bar.
  3. Type in the amount and date of the transfer, then select the destination account (where you want the funds to go).