FAQs - Frequently Asked Questions

Last Updated: November 27, 2017

Why am I being asked to take a Secure Access Code every time I log in?

You should not have to get a SAC every time you log in. In May of 2011 there was a security enhancement made by all the browser vendors and Adobe. Depending on what browser you are using and what options you have set up in your browser will affect how various websites (including Online Banking) behave when you attempt to access them.

Please click here to see our Browser Support page for instructions on how to properly configure your browser for optimum compatibility with our Online Banking website. Following these instructions will correct the problem of having to receive a SAC every time you access Online Banking.

What is Online Banking?

Online Banking is your internet connection to your account information. Think of it as your 24 hour personal computer link to access you accounts, check balances, view account activity history and transfer funds between your accounts. You can Pay Bills using our iPay bill pay system and you can even download your account information into your personal financial software using Online Banking.

How do I enroll to use Online Banking?

Click on the ENROLL button on our Home Page (or click here to take you to our enrollment form). Once completed click on the submit button. Within 2 days you will receive your Online Banking Login ID via email. Once you have your Login ID you can begin to use Online Banking immediately.

What do I do when I receive my User ID and login for the first time?

Go to our bank's website and enter your User ID and temporary password in the Login box on the left side of the screen then click Submit. You will then be presented with a screen to select your delivery preference for your Secure Access Code (SAC). The options you have to select from are based on your enrollment form. You can choose which ever method will work for you at that time. After selecting the delivery method click the Submit button and you will be presented with a screen to input your SAC. Once you have received the one time SAC, enter it and press Submit. You will then be taken through the Welcome screens for a first time user. Complete the requested information and input the password you wish to use.

How secure is my bank information on Online Banking?

Your information is very secure. We utilize advanced technology to assure your privacy. Our system supports 128-bit Secure Socket Lay (SSL) Encryption and utilizes Verisign Digital authentication technology, the highest level of encryption available today. We also use what is called out of band identification to verify you when you are using a computer for the first time. You will be required to receive a one time Secure Access Code by a previously registered method (Phone, SMS, or Email). If you are unable to retrieve and input this one time SAC, we will deny access to your account. Also remember to protect your User ID and Password. YOU are responsible for not sharing your log in credentials and access to your out of band methods.

We encourage you to read and review our Privacy Notice by clicking here.

How much does it cost to use Online Banking?

For personal accounts there is no fee for using Online Banking or for using the iPay bill pay system.

For commercial accounts there may be a monthly fee and transaction fees based on what features are selected. Please contact a Treasury Management officer for product details and fees.

How do I access Online Banking?

Using your computer browser navigate to our bank's website at www.anbbank.com. Enter the User ID and Temporary Password we assigned to you.

When can I access Online Banking?

Online Banking is normally available 24 hours per day 7 days per week. As long as you can access the Internet, know your User ID and password, and if required, have access to your out of band delivery methods you can always access your accounts. Infrequently, we may have certain features unavailable due to performing system maintenance. We always attempt to perform these services early in the morning between 1:00 AM and 5:00 AM Mountain Time.

What can I do using Online Banking?

With Online Banking you can:
  • View your account balances
  • View images of checks you have written
  • View your transaction history
  • View your current and previous statements
  • Pay bills using iPay (requires separate enrollment)
  • Transfer Funds
  • Use mobile banking
  • Make payments between your accounts
  • Download account information to your personal financial software
  • Order Checks
  • Place Stop Payment Orders
  • Originate ACH transactions (commercial accounts only)
  • Request Wire Transfers (commercial accounts only)
  • Send a secure message to the bank

What is a Secure Access Code (SAC)?

A Secure Access Code (SAC) is a special one time code used to identify you as our customer when you are using a computer that has never been registered before to access Online Banking. If our system determines that the computer you are attempting to log in from has not been registered before, we will challenge your identity by requiring you to receive a SAC using an out of band channel. We will require you to receive this SAC either by a text message to your cell phone, a phone call or by an email to your email account. We will only send this code to a phone or email account that you have previously set up (in your Settings/Security Settings/Secure Delivery) when you were logged in from a registered computer. This method of multifactor authentication is more secure than using challenge questions because you must have access to something you have (phone, cell phone or access to your email account). Secure Access Codes are valid only for 15 minutes after which they expire. They can only be used one time.

Security settings in Online Banking