I have questions about:
ANB Cash Cards
I have questions about:
General Cash Card Questions
Is this a credit card or a debit card?
Neither! It is a Cash Card. However, it works like a debit or credit card in that it can be used anywhere Visa® is accepted. The key difference is that Cash Cards have a set dollar value, and the user simply spends up to the balance on the card. The total dollar amount of purchases is automatically deducted from the value of the card.
Can my Cash Card be used immediately?
If you have purchased or received an Instant Issue Cash Card, it can be used the same day.
Personalized Cash Cards are special-ordered and delivered by mail, and therefore need to be activated before they can be used. To activate your card:
Does my Cash Card expire?
Yes, the expiration date is printed on the front of the card, and you can use your Cash Card through the last day of the month shown. Also, if your Cash Card is inactive for six months, a $2/month service charge applies. The bank will begin service-charging the account until the balance remaining on the card is zero. So, it is important that you use the full value of the card.
What should I do if my Amarillo National Bank Cash Card is lost or stolen?
Contact ANB immediately at (806) 378-8100 during business hours or (800) 264-5578 after hours. After you cancel the card, we can send you a replacement Cash Card (upon request) with the remaining balance minus a $7.50 reissue fee.
Remember, if you lose this card, it's a lot like leaving cash on the ground. To minimize your risk of loss, it is important that you safeguard your PIN number and sign the back of the card upon receipt. Use extreme caution when using the card around others to make sure your PIN number is not compromised.
Do I need to activate my Cash Card?
Instant-issue cards are automatically activated when you buy them — but because Personalized Cash Cards are special-ordered just for you, activation is required after you receive them by mail.
How can I find out the balance on my Cash Card?
A quick, one-time registration is required for online account access.
Register a new Cash Card
Can I reload my Cash Card when the balance reaches zero?
Because Instant Issue Cash Cards are activated at the time of purchase, they can only be reloaded by the original purchaser. Personalized Cash Cards can be reloaded by the recipient.
To reload a Cash Card with funds from your ANB account:
There is a $1.50 fee for each reload requested. The minimum load is $15 and the maximum is $1,500.
Why do I need to have a PIN for this card?
The recipient of a Cash Card needs to have a PIN in order to protect the card from unauthorized use and find out the remaining balance — which can help avoid embarrassment when making purchases.
How do I obtain a PIN for this card?
If you are the purchaser:
- You will be asked to select a PIN when you purchase the Cash Card.
- Be sure to tell the recipient what the PIN is.
If you are the recipient:
- First, ask the person who gave you the card if they know the PIN. If they've forgotten, or you'd like to change the PIN at a later time, stop by any full-service ANB location.
Questions about making purchases and obtaining cash with your Cash Card
Can I use my Cash Card anywhere — including grocery stores, restaurants and gas stations?
Yes, you can use your Cash Card anywhere that accepts Visa. However, certain merchants may process the card differently, for example:
- At grocery stores and convenience stores, you can use your Cash Card just like a debit card (using your PIN to authorize the purchase) — or you can run the purchase through as a credit card transaction and sign for it.
- At restaurants, drinking establishments and hair salons, the proprietor might secure an authorization or approval on your card for up to 40 percent more than the total bill. This is done to take into account a tip/gratuity. Ultimately, only the amount that you authorize will be deducted from the value of the card.
- Pay at the Pump gas purchases will not be allowed at gas stations. You may pay for your gas inside and then pump your gas purchase.
Can I make online purchases with my Cash Card?
Yes.
Can I use a Cash Card to withdraw cash from an ATM? How does it work?
Yes. Just insert your card, enter your PIN and push the buttons to withdraw from a "Checking Account." (Because you've inserted a Cash Card, funds will come out of that account, NOT your personal checking account.)
If you use an Amarillo National Bank machine, no fee will be charged. If you use any other ATM, a $1.25 fee will apply for each withdrawal — in addition to any fees charged by the bank that owns the ATM.
May I use my Cash Card to pay for part of a larger transaction?
Yes, please pay the difference first and then submit your Cash Card for the remaining balance. If you present the card first, you will get declined because the merchant's system will try to pull the entire balance from the card.
What if I try to use my Cash Card at a store and the clerk says I'm over my limit, or the card's not working?
This usually happens because your purchase is higher than the remaining balance on the Cash Card. If you know your balance, simply pay the difference first and then submit your Cash Card for the remaining balance.
If you don't know your remaining balance, it's easy to find out:
Can I make a purchase for more than the amount remaining on the Cash Card?
Yes, however you must tell the cashier or merchant the amount you want to pay on your ANB Cash Card and then pay the remainder through other means. If you don't tell the cashier or merchant and try to make a purchase for more than the amount on your Cash Card, the transaction will be declined because you don't have enough money on your Cash Card.
Can I use my Cash Card at more than one merchant?
Yes, as long as you have sufficient funds remaining on the card.
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Credit Card Services
I have questions about:
General Credit Card Questions
What if my card is lost or stolen?
Immediately contact Amarillo National Bank to report the loss or theft and arrange for a replacement card to be mailed to you. You should keep a copy of these numbers and your account number in a convenient place-separate from your card.
Amarillo National Bank
(806) 378-8100
Mon-Thur: 8:00am - 5:00pm
Fri: 8:00am - 6:00pm
Sat: 9:00am - 12:00pm
(855) 207-7134 after business hours
What to do if you find a mistake on your statement?
If you think there is an error on your statement, write to us at:
Amarillo National Bank
Attn: Credit Card Dept.
410 S. Taylor
Amarillo TX, 79101
You must write to us no later than 60 days after you received the first statement on which the alleged error appeared. We must acknowledge your letter within 30 days unless we have corrected the alleged error by then. Within 90 days, we must correct the alleged error or explain why we think the billing statement was correct. You do not have to pay the amount in question while it is investigated, but you must continue to make payments on the rest of your outstanding balance. Please see your cardholder agreement for details.
How do I make a payment on my ANB credit card?
It's simple! You can pay your ANB credit card at your convenience:
Questions about getting started
Do I have to be a resident of the United States to apply for the Amarillo National Bank credit card?
Yes.
How old do I have to be to apply for the Amarillo National Bank credit card?
You must be 18 years or older.
How can I register my Amarillo National Bank credit card account?
Registration is easy:
How long will it take to receive my Amarillo National Bank card?
Upon approval, you will receive your new ANB visa within 7-10 business days, along with your cardholder agreement explaining the features, benefits and details pertaining to the use of your Amarillo National Bank credit card.
Questions about Credit Card Account Access
Is Credit Card Account Access free?
Yes, Credit Card Account Access is absolutely free to you as an Amarillo National Bank cardholder.
What can I do through the Credit Card Account Access service?
You will have instant access to your account information online. Specific features include:
- Account Summary — View your current account balance, available credit, minimum payment due, payment due date and last payment amount.
- Recent Activity — See all transactions posted to your account since your last statement.
- Dispute and Item — Simply click on the customer service tab and select file a dispute. Select the dispute type and fill in the transaction details pertaining to the questionable charge.
- View Statement Information — View, print and save up to 2 years of Statements.
- Manage My Profile — Use this simple tool to change your password, email address, user name and much more.
How can I make payments online?
Once your account is registered, you can log in to https://onlineaccessplus.com/anb/ and select the Payments option. You may make a payment on your credit card account now using your checking or savings account. Payments made prior to 3 p.m. Central Standard Time will be posted to your credit account on that day. Payments made after 3 p.m. Central Standard Time will post to your account the next business day.
You can also pay your ANB visa conveniently through our Online Bill Pay
Are there late payment fees?
If your payment is not received by the due date, you may be charged a late fee. Please refer to your Amarillo National Bank card agreement for more information.
Will my rate change if I miss a payment?
According to your Amarillo National Bank card agreement, if you are in default on any Amarillo National Bank credit card, Amarillo National Bank may increase the rate on the entire balance to a “delinquency” rate. This “delinquency” rate will apply to all outstanding debt and new balances.
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Electronic Check Processing
Questions about electronic check processing
Is electronic check processing secure?
Electronic check processing is not new to the financial industry and is a safe and reliable way of processing payments. It uses technology that has been developed and tested to process your check information securely.
Does electronic processing make my checks clear faster?
As technology and bank operations continue to streamline, check-processing speeds will continue to increase. This means money may be deducted from your checking account faster. Before you write a check, it's always best to make sure your account contains enough money to cover the check.
Can I still get my checks back with my account statements?
Yes. However, you may receive a mixture of canceled original and substitute checks (a printout of an electronic picture of the original check, plus payment information used by the banks). If you receive image statements (pictures of several checks on a single page), you also may notice that some of the pictures are of substitute checks.
Does electronic check processing mean my deposited checks will be available for withdrawal faster?
A federal law (the Expedited Funds Availability Act) specifies the maximum amount of time your bank has to make funds available to you — but most banks (including ANB) make funds available faster than required.
This law requires the Federal Reserve Board to reduce maximum hold times in step with reductions in actual check-processing times. Therefore, as check processing gets faster over time, the Board will reduce maximum hold times.
NOTE: If the bank decides to place a hold on funds that you have deposited by check, this does not affect your interest. Specifically, if you deposit a check into an interest-bearing checking account, we are generally required to begin crediting interest to your account no later than the business day on which the bank receives credit for the funds.
What is Check 21 and what is its basic purpose?
Check 21 is a federal law enabling banks to handle more checks electronically, which should make check processing faster and more efficient. Instead of physically moving most original paper checks from bank to bank, Check 21 allows banks to process more checks electronically.
Banks can capture a picture of the front and back of the check, along with the associated payment information, and transmit this information electronically. If a receiving bank or its customer requires a paper check, the bank can use the electronic picture and payment information to create a paper "substitute check." This process enables banks to reduce the cost of physically handling and transporting original paper checks, which can be very expensive.
What is the difference between Check 21 and programs that convert checks to electronic payments?
A check you write may be processed as a regular check. In that case, your rights are governed by check laws and regulations. Some merchants, however, may use your check as a source of information to create what's called an "electronic fund transfer." (You must receive notice that your check may be processed this way.)
Electronic fund transfers are governed by different laws and have different consumer rights than check payments. For more information, see the brochure "When Is Your Check Not a Check: Electronic Check Conversion" published by the Federal Reserve Board.
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Health Savings Accounts
What are the benefits of a Health Savings Account (HSA)?
Health Savings Accounts can provide significant tax benefits to eligible individuals. Not only can HSAs provide tax benefits related to paying qualified medical expenses. they may also provide benefits similar to many tax-favored retirement plans. including
- HSA contributions — by employer or employee — are excluded from income.
- HSA earnings are tax-deferred.
- If used for qualified medical expenses, HSA assets are never taxed.
Unused HSA assets may be used for retirement; however, effective 1-1-2011 they will be subject to a 20 percent penalty until the HSA account beneficiary turns age 65. If not used for medical expenses, they will be subject to income taxes.
Upon death, HSA assets become property of a named death beneficiary, or of the HSA account beneficiary's estate. A spouse may treat the assets as his or her own HSA, while non-spouse death beneficiaries must treat such assets as ordinary taxable income.
A spouse may treat the assets as his or her own HSA, while non-spouse death beneficiaries must treat such assets as ordinary taxable income.
Your employer may designate a group set-up at ANB for all employee HSAs, helping streamline the contribution process for both you and your HR department.
Content — ©2011 BISYS Retirement Services
What are qualified medical expenses?
For HSA assets to retain their tax-free status, they may only be withdrawn and used for certain expenses, including:
- Actual medical expenses, such as doctor visits, prescriptions, and transportation to get medical and dental care
- Long-term care insurance
- Health care coverage when unemployed
- Certain continuation-of-benefit health care coverage
- Certain health insurance after age 65
- Non-qualified uses of HSA assets are subject to taxation and a 20 percent penalty unless the HSA account beneficiary is age 65 or older, dies, or is disabled.
Content — ©2011 BISYS Retirement Services
Who is eligible to participate?
You are an eligible individual for any month if you:
- Are covered under a high-deductible health plan
- Are not also covered by any other health plan that is not a high-deductible health plan (with limited exceptions)
- Are not enrolled for benefits under Medicare (generally not yet age 65)
- Are not eligible to be claimed as a dependent on another person's tax return
Content — ©2011 BISYS Retirement Services
Can self-employed individuals have an HSA?
Sole proprietors and others who are self-employed can have a Health Savings Account. In fact, they're often ideal candidates for an HSA. In such situations, the business owner is both employer and employee.
HSAs are often advantageous for the self-employed because:
- High-deductible health insurance plans generally have modest premium costs, and may be an effective
cost-containment mechanism for the employer.
- The employer is protected against potentially catastrophic health care expenses.
- The HSA may serve the dual purpose of providing for both medical and retirement expenses.
Content — ©2011 BISYS Retirement Services
What are the HSA contribution rules?
The total amount you or your employer may contribute to an HSA for any taxable year is dependent upon whether you have individual or family coverage under a high-deductible health plan as shown in the table below.
What is considered a high-deductible health plan?
A high-deductible health plan (or HDHP) is an insurance policy that meets certain dollar limits as shown in the table below.
2017 HSA Cost of Living Adjustments
|
Year
|
HSA Annual Contribution Limit
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HDHP Minimum Annual Deductible
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HDHP Maximum Out-of-Pocket Expense
|
|---|
|
2017
|
$3,400 self-only
$6,750 family
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$1,300 self-only
$2,600 family
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$6,500 self-only
$13,100 family
|
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2018
|
$3,450 self-only
$6,900 family
|
$1,350 self-only
$2,700 family
|
$6,650 self-only
$13,000 family
|
*HDHP and contribution limitations are revised each year to reflect cost-of-living increases.
Content — ©2011 BISYS Retirement Services
Do HSAs require reporting?
HSAs require the following government reporting:
- HSA holders must report all contributions and distributions on their individual income tax returns.
- An employer contribution is reported on a business tax return, as well as on the W-2 form of any employee receiving an employer contribution.
- All contributions and distributions from an HSA account are also reported by the custodian or trustee where the HSA is held.
Content — ©2011 BISYS Retirement Services
What are the service fees for an HSA?
There is a $5 one-time set-up fee and a $3 monthly service fee.
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Online Banking
I have questions about:
General Online Banking Questions
How can I protect myself from cyber threats?
Check out our Top 12 Self-Protection Strategies.
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.
Can I make a payment to a personal loan if I don't have checking or savings account with Amarillo National Bank?
Yes, you can make a personal loan payment without having an Amarillo National Bank checking or savings account. Simply click here. However, if you do have an Amarillo National Bank checking or savings account please pay you loan by logging in here.
How do I sign up for Online Banking?
First-time users enrollment
The easy on-screen directions will walk you step-by-step through the sign-up process and provide you with access to your account(s) with Amarillo National Bank, immediately after online forms are complete.
Once I finish enrolling for Online Banking, how long before I can begin using the service?
Your accounts will be activated immediately after all the sign up steps are complete and you may begin using Online Banking. Simply enter your Access ID and password to access your accounts — if you are unable to access you account(s) online please contact us at (806) 378-8280 during normal business hours for assistance.
What are the system and browser requirements to access Online Banking?
There are just a few requirements. You need Internet access by PC, Mac, Smartphone or other means. To use Online Banking features, your Web browser needs to be Microsoft® Internet Explorer® 10.0 (or greater), Mozilla® Firefox 31.0 (or greater), Apple Safari 7.0 (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.
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, balances and make loan payments via Online Banking (although you cannot transfer funds directly to CD accounts).
Can I download transactions to my software such as Quicken™, Microsoft Money™ or Microsoft Excel™?
It's easy to download transactions using the Export Feature in your Online Banking Account. Enter the account you wish to Export transactions from, use the transactions button to download up to 2 months of past transaction history. If you require more than 2 months of transaction history, please use the All Transactions button. This will allow you to pull up to 16 months of transaction history. You will be prompted to select the format you wish to use.
- .CSV - Comma Separated - Microsoft Excel.
- .QIF - Quicken.
- .QFX - Quicken version 2003 or later.
- .QBO - Quickbooks version 2003 or later.
- .OFX - Money.
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 7 p.m. will post to your account the same day. Transactions completed after 7 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 including ZashPay to personal checking account holders, however it is not available to business accounts at this time.
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 inside online banking at any time. But if you'd like to speak to a real person, 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 800 x 600. 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:
- Click on the Start button on the main Microsoft® Windows® screen.
- Go to Settings, then open the Control Panel.
- Select Display, then click on Settings.
- From there, change your screen size to 800 x 600.
For Mac users:
- Open System Preferences and click Displays. This will show you the preferences for your display and color settings.
- Click the Display tab, and change your screen size to 800 x 600.
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 set up an Access ID and password for your account login.
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 Option button on the main menu bar, navigate to the Edit Password area. Choose Edit, enter your current password, then enter your new password twice. Your password may be eight to twelve alphanumeric characters. For optimum security, we require you 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. Use the "Forgot Password" link in the Account login area or just contact ANB by phone or during your next bank visit.
What happens if I incorrectly enter my password?
If you enter your Access ID or Password incorrectly three consecutive times, you will be locked out of Online Banking. This is one part of our comprehensive security to ensure confidentiality. To gain access again or to receive a new password, contact us by phone or during your next bank visit. At this point "Forgot Password" will not unlock your account you must contact us or visit the nearest branch location.
Security Image
What is a Security Image
A Security Image requires you to pre-select an image and to, later, recognize this image before logging in. The idea is that if you do not see the image, you should not enter your password and you should abort the login process into that particular site.
Why the Security Image is being removed?
To streamline the login process. Studies have shown that only 3% of users actually notice if the security image is correct or not.
Am I still as protected as before?
Yes, even more so now. With the advent of device, machine, and browser fingerprinting your identity can be determined by what device, machine, or browser you usually log in from. If at any time you log in from a new device, machine, or browser you will be presented with challenge questions to insure a fraudulent login has not be attempted.
How do I know my online banking information is secure?
ANB protects your online banking experience in 3 key ways: Encryption, Authentication and Data Integrity. Encryption scrambles your transferred data to prevent eavesdropping of your critical information and to ensure that only the server you are sending your information to can read it. Authentication verifies that you are communicating with the correct server and prevents another computer from impersonating the bank. Finally Data Integrity verifies that the information sent to you during your Online Banking experience is legit and unaltered. Our system detects if data was added, changed or deleted and if any tampering has occurred the connection will be dropped.
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
- Estimated 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 visit the nearest branch location.
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?
Yes, you may complete transfers to and from checking and savings accounts and make payments to loans, provided you have a checking or savings account at Amarillo National Bank.
How do I request a transfer of funds between accounts?
For Express Transfers:
- Start on the Accounts Summary page and select Express Transfers from the main menu bar.
- Next, select the starting account for the transfer (where you want the money to come from).
- 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:
- Start on the Accounts Summary page and select the starting account for the transfer (where you want the money to come from).
- Then select Transfers from the main menu bar.
- Type in the amount and date of the transfer, then select the destination account (where you want the funds to go).
Security Token
What is a Security Token?
A token is used in addition to user name and passwords in order to prove that a customer is who they claim to be. The token is something you physically have to have with you and in essence acts like an electronic key to access your online banking account. Security tokens can also be referred to as authentication tokens which give you a One Time Password.
Why does ANB use Tokens?
Online fraud is extremely prevalent within the financial institution realm. Tokens are an extra security layer in order to protect your financial information. If a crook was trying to access your account, they would need your user name and pin (something you know) as well as something physical (something you have which is your token). Tokens help to prevent corporate account takeover.
What is Corporate Account Takeover?
Corporate account takeover is a type of business identity theft that allows cyber thieves to gain access and control to your accounts via stealing employee passwords and other valid credentials. Thieves can then initiate fraudulent ACH or wire transactions from your accounts that have access to ACH/Wires.
Is there a Security Silver Bullet?
No…..only with layered security can you help stop a corporate account takeover threat. Layered security involves unique user name and complex passwords, security tokens, customer education, multi-factor authentication such as security questions, etc...
Why is ANB requiring me to enter in my Token twice?
Due to a specific malware threat which is called a Man-in-the-browser attack. If malicious software is installed on your machine, thieves could wait until you log into your account with all your logon credentials (including user name and password, security token, multi-factor authentication check, etc…) and then take over your internet browser. From this point thieves have access to create ACHs and Wires on your behalf. Requiring the token to be entered at the submittal of the ACH/Wire transaction would stop fraudulent or unauthorized transactions from going through because something physical that only you have in your possession would have to be entered in.
Please note that you will only be asked for your token upon signing in and sending an ach and/or wire. If you are ever prompted for your token outside of these times, please notify ANB immediately.
Will I always be required to carry this token around with me?
Within the next 18 months, ANB will be partnering with a vendor that will allow customers to be able to store a “soft” token (out of band authentication) on their smartphone and not have to worry about carrying around a physical security token.
Security Token (One Time Password) Authentication
The Security Token (One Time Password) Authentication will require an 8-digit password (no pin) from the provided Vasco key fob (token) upon each ACH or Wire transmission. This extra layer of security will ensure safer user invoked ACH and Wire transactions.
How does it work
Upon transmitting an ACH or Wire, the following screen will prompt for the 8-digit token password.
- Simply press your token
- Type in the 8-digit password into the available field
- Press the Submit button.
After clicking the Submit button you will be re-routed back to the normal flow of processing either an ACH or a Wire transfer.
If the One Time Password is typed in incorrectly, an error message will appear.
- Simply re-enter the correct 8-digit password and press the Submit button.
What if I don't have a token
- If you do not have a token, you will not see this prompt and will not have the extra layer of security.
- We are currently in the process of insuring that all Amarillo National Bank users are provided with a Vasco key fob (token).
- If you would like to have a token sent to you, please contact us and we will send you one immediately.
If you have any questions regarding the Security Token (One Time Password) authentication or regarding the use of the token, please contact our Help Desk at (806) 378-8357.
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Online Bill Pay
I have questions about:
Questions about getting started
What is the cost for using Online Bill Pay?
Online Bill Pay is free for all Amarillo National Bank checking account customers including PopMoney.
How do I start using Bill Pay?
You begin by adding Merchants/Payees accounts to your Merchant/Payee list. You can then schedule payments for them using the Setup/Change Payments or QuickPay options.
Can I download transactions to my software such as Quicken™, Microsoft Money™ or Microsoft Excel™?
It's easy to download transactions using the Export Feature in your Online Banking Account. Enter the account you wish to Export transactions from, use the transactions button to download up to 2 months of past transaction history. If you require more than 2 months of transaction history, please use the All Transactions button. This will allow you to pull upt to 16 months of transaction history. You will be prompted to select the format you wish to use.
- .CSV - Comma Separated - Microsoft Excel.
- .QIF - Quicken.
- .QFX - Quicken version 2003 or later.
- .QBO - Quickbooks version 2003 or later.
- .OFX - Money.
Questions about setting up Merchants/Payees
When can I begin making payments to a new Merchant/Payee I added?
You can begin making payment to that Merchant/Payee immediately.
How do I set up utilities for automatic drafting?
The process originates with the utilities, and most have online functionality in place to make it simple. Start here:
How do I add a Merchant/Payee to my list?
Using the Merchant/Payee Accounts option, select Add Merchant/Payee and then complete the requested fields.
How do I change the account number or address for a Merchant/Payee?
Using the Merchant/Payee Accounts option, select the Merchant/Payee, select Details, and then update the appropriate information.
Questions about making payments
What type of bill payments are available?
There are two types — one-time and automatic (or recurring). One-time payments are processed on the day you specify. On that date, the funds are withdrawn from your account and the payment is sent to the Merchant/Payee. The Merchant/Payee receives the payment two to five days after the payment date. Automatic payments are for recurring bills you want to pay at the same time every month (for example: each 15th). Online Bill Pay lets you set up a schedule that processes your payment at a specified frequency and repeats as many times as you indicate.
Do I have to re-enter payments each month?
If you make the same payment amount to a certain Merchant/Payee each month, you can set up automatic payments to send that same amount monthly. If the payment amount changes, you will need to create a new payment each time.
What is the maximum amount for any one payment?
There is a pre-determined limit on the amount you can pay. To ensure proper processing for a very large one-time payment, please contact Customer Service.
How far in advance can I set up a payment?
Payments can be set up as much as 18 months in advance.
Are there any payments I should not make through the system?
The following payment types should not be made through the system:
- Tax payments
- Court-ordered payments
- Payments to payees outside the United States
Questions about scheduling payments
How many days before the due date do I need to schedule a payment?
To make sure your payment arrives on time, we recommend that your payment date be at least five business days before the actual due date (unless otherwise specified).
The number of days before the payment due date is called "lead time." This covers the time required for the Merchant/Payee to receive and post the payment — assuming you have used the correct address and account number. However, lead time does not guarantee when the Merchant/Payee will post the payment. The day that the payment is processed is not included in the lead time.
Lead time should be used with discretion, since only your experience with the Merchant/Payee will let you know for sure how many days to allow for actual posting of the payment.
What if my payment falls on a non-business day?
One-time payments cannot be scheduled for non-business days (such as weekends or federal holidays).
If an automatic/recurring payment date falls on a non-business day, the payment is processed on the preceding business day.
Is there a cut-off time for me to cancel or change a payment scheduled for today?
If you want to change or cancel a payment that is scheduled on the same day, you must do so before the daily settlement time (5 p.m. Central Time).
The system will display an error message if you attempt to modify a payment after this deadline.
How will I know if an automatic payment instruction has expired?
You will receive a secure "Final Payment" message notifying you that the last scheduled payment has been processed. You can modify and reschedule your payment if you wish to continue it.
Questions about payment processing and history
How will I know if a payment was processed successfully?
The Payment History will show a status of "Processed" for that particular payment. However, this does not guarantee the Merchant/Payee received or posted this payment
Is there a way I can verify online that a Merchant/Payee received my payment?
Actual verification needs to come from the Merchant/Payee.
If payment was made to the Merchant/Payee by check, you can determine if the check has been cashed by viewing the payment details under payment history.
If the payment was made via electronic remittance, you must contact the Merchant/Payee to verify that the payment was received and posted.
How will I know if a payment failed?
The Payment History will show a status of "Failed" for that particular payment and the system will send you a message to let you know the payment failed. The most common reason for a failed payment is insufficient funds in the account used to make the payment.
What do I need to do if one of my Merchants/Payees notifies me that a payment has not been received?
First, contact the Merchant/Payee directly to verify that the payment has not been received. Next, use the Payment History menu to confirm that your payment was processed from ANB.com. View the payment details and select Research Request to initiate a Payment Investigation.
Why do I get a confirmation number when I make a payment?
Confirmation numbers are provided for all confirmed or modified payments. This is your assurance that a payment will be processed on the date it is scheduled. It is also a reference number that can be used for requesting research.
The payment history showed that my payment was processed, but my account has not been debited. Should I schedule another payment for this Merchant/Payee?
No. Whenever a payment shows a status of Processed in the Payment History, this means that the payment went out to the Merchant/Payee successfully. The debit to your account can take up to three business days to post.
Is there a way to see my previous payments?
Payment history is retained for up to 7 years. You may search for past payments by using one or a combination of the following:
- Merchant/Payee name
- Payment date
- Payment amount
- Confirmation number
Questions about Pop Money
What is Pop Money?
Pop Money is an online personal payment service that lets you send money or receive money from anyone you know, using their name, e-mail address or mobile number, and banking information. The money is sent directly from your payment account to their account.
How do I send money?
When you send money to someone, the person receives notification (e-mail or text message) of your payment.
- If the recipient has signed up for Pop Money, the money you send is automatically deposited into the person's account.
- If the recipient hasn't signed up for the service, Pop Money sends the person an invitation that explains how to sign up for the service and claim the money you sent.
To send money:
- Click Pop Money.
- If this is your first time using Pop Money, read the welcome message and click Continue.
- In the Send Money section of the page, select the person you want to send money to.
- If you've sent money to this person before, select the person from your list. His personal information is entered into the form for you.
- If you are sending money to a person for the first time, enter his information in the form. (This person will be in your list the next time you send him money.)
- Enter the amount you want to send.
- In Pay From, select the account from which to withdraw the money you send.
- Include a message if needed. For example, "Thanks for the tickets" or "Here's my half of the dinner bill from last night."
- Click Continue.
- Review the payment details and click Send Payment.
- The person receives notification (either e-mail or text message) of your payment.
How do I claim my money?
In most cases, the money you receive in Pop Money is automatically deposited into your account and the payment details are added to your history. However, if you haven't received money in Pop Money yet, or if the person sends you money using an e-mail address or mobile phone number that doesn't match what you entered in Service Setup, you need to take some additional steps to claim your money.
Claiming Money as a New User
If this is your first time getting money with Pop Money, you received an invitation (e-mail or text message) to sign up for the service. The invitation includes the amount the person is sending you and a secure verification code.
- Click To Do
- Click Deposit.
- Select Bank Account and bank account type.
- Enter the verification code and your e-mail address or mobile number, depending on how you were notified or click "Call Me".
- Click Verify.
- Click Deposit.
The money is deposited into your account, and the payment details are added to your history.
Claiming Money as an Existing User
If a person sends you money using an e-mail address or mobile number that is different from the ones you entered in Service Setup, you'll receive an invitation with a secure transaction code.
- Click To Do.
- Click Deposit
- Enter the transaction code and the e-mail address or mobile number that the person used to send you the money.
- Click Deposit.
Other questions about Online Bill Pay
How do I send a secure message to Customer Service?
When you select Compose New Mail from the menu, you'll see a drop-down menu of recipients. Select the appropriate recipient and click the Create Message button.
Can I send a secure message to one of my Merchant/Payees?
No, you may only send a secure message to us.
Can I receive an e-mail to let me know that the system has sent me a secure message?
To indicate when you want to receive an e-mail, select Personal Information, Alerts. On this screen you can choose which incidents should generate an e-mail.
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Mobile Banking
Do I have to be an ANB customer to use Mobile Banking?
Yes, you must have at least one Amarillo National Bank personal account to use our Mobile Banking service and you must be enrolled in Consumer Online Baking as well.
How do I set up Mobile Banking from my computer?
- Log on to ANB Online Banking and navigate to the Options tab.
- Click on Manage Devices in the mobile banking profile.
- Select the Mobile Services you would like to have.
- Set your time zone and Nickname your accounts.
- Enter your 10-digit mobile phone number with no dashes or spaces.
- Submit activation code sent through text to receive links to the mobile services you selected.
How do I set up Mobile Banking on my phone?
- Go to the app store.
- Search "ANB" and download the free app.
- Enter your username.
- Answer one security question.
- Enter your password.
Once I request to be signed up, how long before I can begin using the service
You can get started immediately.
Which phones/mobile devices are currently supported?
You should be able to access ANB Mobile Banking with any mobile device (phone, PDA or Palm®) that has Internet capability. If you are unsure of your phone’s capabilities, please contact your wireless provider. Please note: Although ANB does not charge for Mobile Banking, your wireless carrier's standard Web access rates do apply.
What can I do if my phone is not Internet-ready?
Unfortunately, Mobile Banking cannot be used if your phone cannot access the Internet. Talk to your wireless provider about upgrading to a newer phone that has Internet capabilities.
What type of transactions can I complete?
Check balances, check account activity and transfer money between your ANB accounts.
Can I transfer funds between any of my accounts?
You can complete transfers to and from your ANB checking and savings accounts.
Can I pay bills using Mobile Banking?
Yes! You can pay bills from absolutely anywhere with mobile banking.
Can I deposit a check using Mobile Banking?
With Mobile Deposit you can deposit checks using your Mobile Banking App.
Is there a daily cut-off time to complete transactions on the current business day?
Yes: 7 p.m. Central time.
What is the charge for using Mobile Banking?
ANB does not charge for mobile banking access; however, your wireless provider may charge for its Web service. Please check with your wireless carrier for Web access rates and plans.
Where can I get help with understanding and using Mobile Banking?
Call 806-378-8280.
How do I know my personal information is secure with Mobile Banking?
Your personal information is protected by advanced encryption technology to prevent unauthorized access.
We use your phone number to automatically verify your identity along with a password and authentication image.
What are the text banking commands?
- HELP - List of all commands
- BAL - Balance of all accounts
- HIST + texting nickname (ex. HIST C1) - History for a particular account
- ATM + Street or zip (ex. ATM 79109) - List of ATM Machines nearest given street or zip
- BRANCH + Street or zip (ex. BRANCH 79109) - List of Branches nearest given street or zip
- STOP - Cancels mobile banking alerts
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Mobile Pay
Apple Pay™, Samsung Pay™, and Android Pay™
Now, whether you are paying in a store or within apps, you can pay with your supported mobile device.
How to Pay
To pay, just hold your mobile device near, or *tap the contactless reader. A subtle vibration and beep will let you know your payment was successfully sent.
Where to Pay
You can pay anywhere Apple Pay, Samsung Pay, and Android Pay contactless payments are accepted. To see a full list of devices that are eligible for each of these mobile pay providers click links below.
Look for one of these symbols at checkout.
More information
Learn more about mobile pay at the following links:
*Android Pay Only.
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Travel Safety
Traveling with Mobile Devices
The Internet is at our fingertips with the widespread use of Internet-enabled devices such as smart phones and tablets. When traveling and shopping anytime, and especially during the holidays, consider the wireless network you are using when you complete transactions on your device.
What are the Risks?
Your smart phone, tablet, or other device is a full-fledged computer. It is susceptible to risks inherent in online transactions. When shopping, banking, or sharing personal information online, take the same precautions with your smart phone or other device that you do with your personal computer — and then some. The mobile nature of these devices means that you should also take precautions for the physical security of your device and consider the way you are accessing the Internet.
Should I use public Wi-Fi networks?
Avoid using open Wi-Fi networks to conduct personal business, bank, or shop online. Open Wi-Fi networks at places such as airports, coffee shops, and other public locations present an opportunity for attackers to intercept sensitive information that you would provide to complete an online transaction.
If you simply must check your bank balance or make an online purchase while you are traveling, turn off your device's Wi-Fi connection and use your mobile device's cellular data Internet connection instead of making the transaction over an unsecure Wi-Fi network.
Should I turn off Bluetooth when not in use?
Yes. Bluetooth-enabled accessories can be helpful, such as earpieces for hands-free talking and external keyboards for ease of typing. When these devices are not in use, turn off the Bluetooth setting on your phone. Cyber criminals have the capability to pair with your phone's open Bluetooth connection when you are not using it and steal personal information.
Should I be careful when using public charging stations?
Yes. Avoid connecting your mobile device to any computer or charging station that you do not control, such as a charging station at an airport terminal or a shared computer at a library. Connecting a mobile device to a computer using a USB cable can allow software running on that computer to interact with the phone in ways that a user may not anticipate. As a result, a malicious computer could gain access to your sensitive data or install new software.
Should I be concern with phishing scams?
Yes. If you are in the shopping mode, an email that appears to be from a legitimate retailer might be difficult to resist. If the deal looks too good to be true, or the link in the email or attachment to the text seems suspicious, do not click on it!
What do I do if my account is compromised?
If you notice that one of your online accounts has been hacked, call the bank, store, or credit card company that owns your account. Reporting fraud in a timely manner helps minimize the impact and lessens your personal liability. You should also change your account passwords for any online services associated with your mobile device using a different computer that you control. If you are the victim of identity theft, additional information is available from https://www.idtheft.gov/.
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Online Banking Troubleshooting Tips
If you are unable to log in to online banking here are a few troubleshooting tips to help you out.
Steps to checks
What browsers and systems are supported?
Consumer online banking minimum browser and system requirements
- Microsoft Windows 7 & Windows 8
- Mac OS X (OS 10.9 or greater)
- Microsoft IE: 10.0 or higher (Recommended)
- Mozilla Firefox: 31.0 or higher (Recommended)
- Apple Safari: 7.0 and higher (Recommended)
Business online banking minimum browser and system requirements:
- Microsoft Windows 7 & Windows 8
- Mac OS X (OS 10.9 or greater)
- Microsoft IE: 10.0 and higher (Recommended)
- Mozilla Firefox: 31.0 and higher (Recommended)
- Apple Safari: 7.0 and higher (Recommended)
Why don't I get my security question or password after entering Access ID?
- Check to make sure you have the most current versions of Adobe Flash and Shockwave players. This is needed to store a secure flash object to your machine.
- Adobe flash player and shockwave can be verified at www.adobe.com/shockwave/welcome/
- If flash or shockwave is not loaded or up-to-date, follow on screen instructions.
What are the proper browser settings for Online Banking?
Internet Explorer Consumer Online Banking
- From Internet Explorer, select Tools >Then Internet Options.
- From the Security tab, select Trusted Sites.
- Click the Sites button.
- Type in the domain name for Consumer Online Banking https://www.anbretailonline.com/
- Click Add > Then Close
- Next, select the Privacy Tab, and click on Sites.
- Type in the domain name for Consumer Online Banking https://www.anbretailonline.com/
- Click Allow > Then Ok
Internet Explorer eCorp
- From Internet Explorer, select Tools >Then Internet Options.
- From the Security tab, select Trusted Sites.
- Click the Sites button.
- Type in the domain name for eCorp Corporate Online Banking https://anbecorp.com/
- Click Add > Then Close
- Next, select the Privacy Tab, and click on Sites.
- Type in the domain name for eCorp Corporate Online Banking https://anbecorp.com/
- Click Allow > Then Ok
*Note: If problems are still occurring with Internet Explorer, open Internet Options and select the Advanced Tab. Click the "Reset" button at the bottom. This will reset all settings to the default.
Mozilla Firefox Consumer Online Banking
- From Firefox, select Tools > Then Options.
- Click Content and make sure both Enable JavaScript and Enable Java are checked.
- Click Privacy and click Exceptions
- In the Cookies section. Type in this domain name for Consumer Online Banking https://www.amarillonationalbank.com/
- Click Allow and then Close.
- In the Private Data section, uncheck Always clear my private data when I close Firefox.
- Click Ok.
Mozilla Firefox eCorp
- From Firefox, select Tools > Then Options.
- Click Content and make sure both Enable JavaScript and Enable Java are checked.
- Click Privacy and click Exceptions
- In the Cookies section. Type in this domain name for eCorp Corporate Online Banking https://anbecorp.com/
- Click Allow and then Close.
- In the Private Data section, uncheck Always clear my private data when I close Firefox.
- Click Ok.
AntiVirus, Firewall or other security software conflicting?
Check what types of security software are running on your PC (i.e. AntiVirus, Firewall, Security, etc.). As a test, disable the security software and attempt to log into online banking. If it works successfully, try turning one program on at a time and test again until the program causing the problem is identified. Once the program is identified, it will need to be configured to allow access for the online banking website. Please note the security software should not be left disabled. It should only be disabled temporarily to test and identify the problem.
Why am I always asked my security question, even after checking "this is a personal computer please register"?
Occasionally, it is necessary to delete the Flash Shared Object (FSO), which is a separate from deleting cookies and temporary files in your browser. The most common situation for deleting the Flash object is when a user cannot register his/her computer or if a user is being presented with challenge response questions after a browser upgrade. To delete the FSO, follow the instructions bellow:
- Navigate to the Adobe Flash Player Settings Manager Website:
- http://www.macromedia.com/support/documentation/en/flashplayer/help/settings_manager06.html
- In the Table of Contents to the left, navigate to the "Website Privacy Settings Panel"
- In the panel to the right there will be a small list of "Visited Websites". Search for "amarillonationalbank.com" for Consumer Online Banking, and "anbecorp.com" for Corporate Online Banking, select the appropriate name from the list.
- Next click the "Delete Website" button, followed by the "Confirm" button to remove the Flash Object.
- IMPORTANT: After deleting the FSO object, you must delete all cookies in browser(s). You will be challenged by Layered Authentication (Multifactor Questions) upon next login. After successfully completing the Layered Authentication challenge, you can register the computer as a personal computer to avoid further Layered Authentication challenges.
If you are still experiencing problems at this point, gather the following information and contact Amarillo National Bank customer support at (806) 378-8280.
- What is the Operating System on your computer (i.e. Windows 98, Windows XP, Windows Vista, Windows 7, Apple OS X, Smartphone, etc.)?
- What browser and version are you currently using?
- Have you attempted login with a different browser?
- Have you attempted login from a different device?
- Are any toolbars loaded to the browser (i.e. Google toolbar, Yahoo! Toolbar, etc.)?
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