Online Banking FAQs
I have questions about:
- General Online Banking
- ID and Password
- Security Image
- Managing my accounts via Online Banking
- Security Token
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 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 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® 6.0 (or greater), Netscape® Navigator 7.0 (or greater) or Mozilla® Firefox 2.0 (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 Mozilla® Firefox, click here
- Netscape® Navigator is no longer in development, please use one of the above browser downloads.
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 transanctions 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 trasaction 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 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 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 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:
- 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 800x600.
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 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.
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.
What is a Security Image
A Security Image requires you to preselect 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.
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
- 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).
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.