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ANB Cash Card FAQs

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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 (1-800-264-5578 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. If you want to register a new Cash Card, click here.

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.

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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?


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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