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FAQs

Frequently Asked Questions

General Questions

107001232

AMNTUS51

To update your phone number or address for your accounts, log into Online Banking, and go to My Settings > Change my Contact Information. You may also call the Customer Care Center at 866-433-0282.

To send a domestic or international wire transfer, please contact your local banking center.

To reset your Debit Card PIN, please call 800-992-3808.

To save you money when using an ATM, there are no surcharge fees if you use an ANB Bank ATM or one of the 32,000 MoneyPass ATMs. To locate a MoneyPass ATM near you click here.

Overdraft protection is available for some of our Personal Checking accounts. Please refer to our Personal Miscellaneous Fee Schedule for additional details.

A pending transaction is an approved purchase that has not been posted or fully processed to the account. Because it has not been fully processed for payment, it will be reflected in the available balance but not the current balance of the account.

To order checks, log into Online Banking, and go to Account Services > Order Checks. You may also visit your local banking center or call the Customer Care Center at 866-433-0282.

Note: If it has been over six months since your last check order, you cannot place an order online. You will need to come in to your local banking center or call the Customer Care Center.

Please contact your local banking center or the Customer Care Center at 866-433-0282 for hold information in regards to your deposit.

The routing number for ANB Bank is 107001232. Your account number can be found within your online banking profile, as well as on the bottom of any checks.

You may enroll for online banking by clicking the enroll link at the top page at anbbank.com. If you have already enrolled, enter your login information in the Online Banking Login box on anbbank.com.

Please contact your local banking center or call the Customer Care Center at 866-433-0282 to dispute a posted transaction.

Yes, you can open Personal Checking, Personal Savings and Certificates of Deposit accounts online.

Current Balance is the total amount of funds in your account. The Available Balance is your Current Balance less any outstanding holds or debits that have not yet posted to your account. The Available Balance represents the funds you are able to withdraw, transfer, and use.

Online and Mobile Banking

Online Banking Enrollment

Click on the ENROLL button at the top of our website (or click here to take you to our enrollment form). Select the enrollment type Business or Personal. Once completed click on the submit button. 

Go to www.anbbank.com/enroll. You will be directed to the Online Enrollment form.

Online Enrollment Form

You will need to enter in the following information:

  • First Name
  • Last Name
  • Address
  • ZIP Code
  • Driver’s License Number
  • Social Security Number
  • Date of Birth
  • Email
  • Mother’s Maiden Name
  • Requested Login ID

The name fields can handle shortened names, i.e. Matthew can be entered as Matt.

The address field can handle abbreviations but no special characters.

If you do not have a Driver’s License, please contact your banker to assist you with enrollment.

If you have a foreign Tax ID, please contact your banker to assist you with enrollment.

If you received an error message when filling out the Enrollment Form, please contact the Customer Care Center at 866-433-0282 for assistance.

Online Enrollment Error Message

If you received the “You may already be enrolled!” message, you may already be enrolled under a different User ID. Please contact the Customer Care Center at 866-433-0282 for assistance.

You may already be enrolled

No, we do not need your phone number to complete the Personal Online Banking enrollment.

If you exit out of the Enrollment process before setting up your password, you will need to set up your Online Banking password before you can log in. To do this, click on Forgot Password? at the top of the anbbank.com homepage.

Forgot password

Enter in your Online Banking ID and click Submit.

Enter Online Banking ID

Select how you would like to receive the Secure Access Code.

Secure Access Code

Enter your Secure Access Code and click Submit.

Enter Secure Access Code

Set up your new password and click Submit.

Set up password

No. If you are an existing Online Banking user, your accounts should automatically appear in Online Banking. If you do not see your accounts in Online Banking, please contact your banker to assist you.

Online Banking

Go to anbbank.com and enter your User ID and temporary password in the Login box on the top area of the website. You will then be prompted to select your delivery preference for your Secure Access Code (SAC) and then prompted to input the SAC received. As a first-time user you will see a welcome screen and will be required to update your password.

A Secure Access Code (SAC) is a one-time code used to verify you are logging in through a device, which has not been registered for Online Banking. If our system determines that the device you are attempting to log in from has not been registered before, it will require the input of a secure access code. This layer of multifactor authentication helps to keep your account protected. Do not share a secure access code with anyone. Our representatives will not ask for your secure access code.

You should not have to get a SAC every time you log in unless you are logging in from an unregistered device. In addition, it may depend on what browser you are using and the security settings in place. Please visit our Browser Support page for instructions on how to configure your browser for optimum compatibility with our Online Banking platform.

For personal accounts there is no fee for using Online Banking.

For business and commercial accounts there may fees for this service, based on the business options. Please contact your Treasury Management officer for details.

On anbbank.com, log into the online banking through User ID and password boxes at the top of the screen.

Online Banking is available 24 hours per day 7 days per week.

With Online Banking you can view your account balances, view your transaction history, pay bills, transfer funds between your accounts, and much more. Visit our Personal Online Banking page to learn more. To learn more about functionality for business customers, please visit our Business Online Banking page.

To change your username, log into Online Banking, and go to My Settings > Security Settings > Change Login ID.

To change your password, log into Online Banking, and go to My Settings > Security Settings > Change Password.

To transfer funds between accounts, log into Online Banking, and go to Pay & Transfer > Transfer Money. With this function, you can only transfer funds between your ANB Bank accounts.

eStatements

eStatements are electronic versions of paper statements received through your Online Banking account rather than the post office. They look just like paper statements, and contain the same information, yet you'll receive them sooner than before, usually on the day they're created – plus they help conserve our natural resources!

We're dedicated to helping you manage your finances easier. eStatements are faster, and more useful. And, less paper makes them friendlier to our environment.

No, once you switch to eStatements you will no longer receive a mailed paper copy. Should you need a paper copy, eStatements can be easily printed out from online banking.

  • Easy Storage – eStatements can be stored virtually anywhere. You can save them on your desktop or hard drive, in a private e-vault, or print them and save them in a file cabinet.
  • Access Anywhere – Since eStatements are delivered to your email address rather than your postal address, you'll have access when you need it...whether you're at the office, on vacation, or away on business.
  • It's FREE! – There is no charge for this convenient, time-saving service.

Yes. If you want to receive an eStatement for an account, then you need to register it for the program. You can easily register multiple accounts for ANB’s eStatement Program. Using Online Banking, log in and choose Sign up for eStatements under the My Settings menu. Then select eStatements.

Your paperless eStatement will replace the paper bank statement currently being sent to you. Therefore, you will receive your eStatement monthly or quarterly, depending on how often you receive your current paper bank statement.

Yes. Customers with business accounts can receive eStatements.

After you sign up for eStatements, you will begin receiving eStatements in the first statement cycle after you sign up for eStatements. All previous months’ statements will immediately display as eStatements.

You will be sent an email notification.

At this time, we can only send statement notifications to one email address per online banking login ID.

eStatements are available for 7 years. If you have been an ANB Bank customer for 7 years, you will be able to review the last 7 years of your eStatements.

At this time, deposit statements for checking and savings can be viewed electronically.

No, this convenient and secure service is free.

You will need Adobe Acrobat Reader to view your eStatement. When you sign up for eStatements, there is a link on the page to Adobe Acrobat Reader. Adobe Acrobat Reader is a free program and allows users to view PDF documents. It can be downloaded from the Adobe website.

To enroll for eStatements, log into Online Banking, navigate to My Settings > Sign up for eStatements. Select which account(s) should be delivered as eStatements.

Mobile Banking and Mobile Deposit

To see how you can use your mobile device to bank online, visit our Mobile Banking page.

Yes, you can set up your payees and pay bills quickly from your device.

If your device is lost or stolen, call the Customer Care Center at 1-866-433-0282, Monday through Friday to deactivate your account.

For step by step instructions, go to our User Guide.

Your Mobile Deposit will post to your account on the Next Business Day if it is deposited before 5pm MST. You may view pending deposits by tapping on Menu > Account Services > Search Online Activity and tapping on Deposited Checks. All of the checks you have deposited will be displayed and show the status of the deposit.

To change your username, log into ANB Bank Mobile App, and go to My Settings > Security Settings > Change Login ID.

To change your password, log into ANB Bank Mobile App, and go to My Settings > Security Settings > Change Password.

To see a list of which checks have been Submitted and Accepted click on the Menu button and drop-down the Pay, Transfer & Deposit menu. Select Deposit a Check. Go to the More button in the upper left-hand corner. Choose either Submitted, to see which checks you have recently submitted, or Accepted to see which checks ANB has accepted for deposit.

When you receive confirmation from ANB Bank that we have “Accepted” the deposit, prominently mark the item as “Electronically Presented” or “Void.” We recommend you retain your item for at least 30 days after depositing.

The ANB Bank Mobile Banking App is convenient and easy to use. Our app is now available on the App Store or Google Play from your mobile device. (You must enroll for online banking before using the app.)

Internet access is required to use the ANB Bank Mobile App. Internet charges may apply, depending on your Internet provider’s plan. There is no fee to download the ANB Bank Mobile App.

Yes, the same username and password are used for the ANB Mobile Banking App and ANB Bank Online Banking.

Bill Pay

General Bill Pay Questions

Bill Pay allows you to set up payments to businesses and individuals. Once you enter a payment instruction, the request is submitted at 2:00 pm MT, Monday through Friday (excluding holidays). Depending on the payee, your payment will be sent electronically or by paper check the next business day. The funds are deducted from your bill payment account on the scheduled date.

Yes, you can access Bill Pay, make payments, and add Payees from the Mobile Banking App.

Getting Started, Setting Up Accounts

To enroll for Personal Bill Pay, go to the Pay & Transfer menu, select Pay My Bills, read and accept the Consumer Bill Payment Terms & Conditions. Then, select the account(s) you wish to enroll with.

Consumer accounts will have immediate access to Bill Pay after enrolling. Business accounts will have access within 24 hours.

Checking, Savings, and Money Market accounts are the only type of accounts eligible to pay bills using Bill Pay.

Click on Pay & Transfer > Pay My Bills. Click on Options and click on Visit Bill Pay Site. A pay from account can be added by accessing My account and clicking the Add account link located in the pay from account section.

Click on Pay & Transfer > Pay My Bills. Click on Options and click on Visit Bill Pay Site. A pay from account can be edited by accessing My account, clicking the View account link and clicking the pencil icon next to the pay from account.

Setting Up Payees, Paying Bills

A payee is the issuer of a bill that is due to be paid by you.

To add a Payee, click on Pay & Transfer > Pay My Bills, and then click Add payee at the top of the payments page. An Add Payee screen will appear. Fill out required fields and click Save to set up a payee.

No, your payees do not need to do anything different to process online bill payments and your payment information is clearly indicated on the payment.

Log in to Online Banking, click on Pay & Transfer > Pay My Bills, and select a payee from your list. Enter the amount you wish to pay and select a Send on Date. Click Review Payments. Review your payment (Send on date, Estimated delivery date, Payee, Pay from account, and Amount). If everything looks good, click Submit Payments to schedule the Bill Payment.

Electronic Payments may take 2-5 business days. Check payments can take up to 2 weeks.

Court-ordered payments, tax payments, IRS payments, and International payments cannot be made using Bill Pay.

No. Comments are for your personal use only and will not be sent with your payment.

For a future-dated payment, this should be the date you want your payment transmitted, which is the date the payment is extracted for processing.

If the payment is still pending, you can make changes. However, once the payment has been transmitted, you can no longer make changes or delete the payment.

No. Holidays and weekends are designated as ineligible for payment processing and will affect the dates available to select when scheduling your payments.

To set up a recurring payment, click the make it recurring link located in the Action column of your payee on the payment page. Enter the amount; select the pay from account and the frequency you want your payments to be automatically scheduled.

Yes. You can view all your scheduled payments by clicking the View more link located in the Pending section of your payment page or the View pending transactions link available below the schedule payment section of your payment page.

Yes. You may edit or stop a payment prior to 2:00 pm MT on the date the payment is scheduled to process.

Your transaction history helps you keep track of your payments with customized reports and providing a detailed timeline of each transaction that you have scheduled within bill pay.

Your transaction history will allow you to report transactions up to 18 months from the current date.

A payee limit is set to ensure your payments are processed as efficiently as possible.

eBills

eBills present due dates and amounts from your billing statement to alert you when it’s time to schedule payments.

Your payee must have a website available to view your bill online to be eligible for eBills. If your payee is eligible for eBills in bill pay you will need to provide the credentials to access the bill information for that payee.

Autopay will schedule a payment for you when your new eBill arrives based on your preferences.

Rush Payments

A rush payment can be used to send a payment to be delivered the next day or two days from the scheduled date. Fees will apply.

If you have a bill that’s too close for comfort to the due date, you can use the Rush delivery link to select a guaranteed delivery option.

Yes. If you choose an option that includes UPS tracking, you can monitor the delivery of the payment in transaction history when you view the details.

Debit Cards

Debit Cards

Your debit card may take up to 5-10 business days to arrive after ordering. All ANB branches are able to print instant issue debit cards for personal accounts.

Instant Issue cards are available at most ANB banking centers for personal accounts, otherwise one can be ordered through the mail by contacting Customer Care or your local branch.

Call 800-992-3808 and follow the prompt to activate your card.

Call 800-992-3808 and follow the prompts to change your debit card PIN.

Please contact Customer Care at 866-433-0282, Monday through Friday (excluding federal holidays) from 7 am to 6 pm MT or 8 am to 7 pm CT or Saturdays from 8 am to 12 pm MT or 9 am to 1 pm CT. 

No, not at this time.

Anywhere VISA ® is accepted.

Please call Customer Care at 866-433-0282 or call or visit your local branch.

Debit cards are automatically reissued and you will receive one in the mail before your current card expires. If you haven’t received a new card and your card expires in less than a week please contact Customer Care at 866-433-0282, or visit your local branch.

Please call Customer Care at 866-433-0282 to add a travel notification to your account.

There is an International Transaction (ISA) fee for 1% of each transaction for international purchases.

There are no transaction fess when you use a debit card for purchases within the United States. There is an International Transaction (ISA) fee for 1% of each transaction for international purchases. You can also incur foreign ATM fees when using a non-ANB Bank ATMs or outside of the MoneyPass ATM network.

To dispute a transaction, please contact Customer Care at 866-433-0282 or call or visit your local branch.

CardValet

No, CardValet only works with debit cards at this time.

Yes, you can unsubscribe through the CardValet application via Manage Portfolio. To unsubscribe, uncheck all cards and accounts and tap OK.

Yes, you must re-enroll with a new user name.

Spent on card this month displays the total amount that is calculated from the cumulative spending on all managed cards in the month to date. At the end of every month, the system automatically resets the monthly spending amount to zero (0). Deposits and refunds are deducted from the total.

The new card number must be registered within the CardValet app, by going to your profile via Menu > Manage Portfolio > Add Card. The old card cannot be removed, but you can unenroll the card through the Manage Portfolio screen.

The location controls and alerts will check to ensure the merchant location is within a few miles of the primary device.

If you are within certain proximity of the device the location settings may not impact your purchase. If you are too far away and outside of a certain range, then your transaction will be declined.

It is possible that the merchant’s address is not the physical location of the merchant, i.e., they use the corporate or regional address.

No, location controls are for in-store purchases only.

No, any previously authorized recurrent payments will continue to process.

The controls or alerts take effect immediately after the Updating information message in the app completes.

You can set the Do Not Disturb time that will suppress notification during that time frame. Some notifications will still be delivered, for example, any transaction denial or any transaction that is a card-present authorization.

The CardValet app works with the most recent mobile operating software as well as two past generations of Android and iPhone devices.

Download the CardValet app to your smartphone. The registration process will step you through the enrollment to add your card information to set up your account.

Yes, you can download and set up CardValet on multiple devices; however, you are required to set your primary device. The primary device is used to determine your location (via your phone’s GPS) and will receive all alerts.

Yes, you are able to add multiple debit cards to your CardValet account.

The alerts are sent as push notifications to your device. They are also displayed in the Messages section of the CardValet app. You will need to have notifications for CardValet turned on.

Android
New CardValet users need to select Yes when the first prompt appears asking: Would you like to set this device as a primary device? Select Allow to let CardValet access the device’s location.

iOS
New CardValet users need to select Allow when the first prompt appears stating: CardValet would like to send you notifications. Select Allow Card Valet to use your location. Select Yes when the third prompt appears asking: Would you like to set this device as a primary device?

Existing CardValet users can ensure they receive future push notifications by navigating to Menu > Settings > Toggle Primary Device to On.

Android
Enable My Location Alerts:

  1. Tap Alerts & Controls from the Card Details Screen.
  2. Choose Alerts.
  3. If Let me customize my alerts is selected tap Locations. (This does not apply to users with Send me alerts for all transactions and Don’t send me any alerts are selected.)
  4. Tap My Location to enable the feature.

Enable My Location Controls:

  1. Tap on Alerts & Controls from the Card Details Screen.
  2. Choose Controls.
  3. Tap Locations.
  4. Tap My Locations.
  5. Select OK on the CardValet in-store transactions prompt.

iOS
Enable My Location Alerts:

  1. Tap on Alerts & Controls from the Card Details Screen.
  2. Choose Alerts.
  3. If Let me customize my alerts is checked, tap Locations. (This does not apply to users with Send me alerts for all transactions and Don’t send me any alerts are checked.)
  4. Tap My Location.
  5. Select Turn on GPS when the Location Service prompt appears.
  6. Change the Location setting to Always.

Enable My Location Controls:

  1. Tap on Alerts & Controls from the Card Details Screen.
  2. Choose Controls.
  3. Tap Locations.
  4. Select OK on the CardValet in-store transactions prompt.
  5. Select Turn on GPS when the Location Service prompt appears.
  6. Change the Location settings to Always.

Digital Wallets

Digital Wallets

A Digital wallet will contain digital versions of your ANB Bank Personal or Business Debit Card that are stored in a wallet app on your mobile device. Examples of these apps include Apple Pay®, Google Pay™ and Samsung Pay.

When you use one of these digital wallets, your card number is replaced by a unique code for each transaction, so your card number and personal information are not stored. That means your actual debit or credit card numbers are never shared, adding an extra layer of security when you shop.

ANB Bank Personal and Business Debit Cards are compatible with Apple Pay, Google Pay and Samsung Pay.

Digital wallets are actually more secure than your physical cards. That’s because mobile payments are heavily encrypted and tokenized, meaning that none of your actual card or account numbers are stored within the digital wallet. By using a digital token, you no longer need to share your personal account information when shopping. This reduces the threat of sensitive data being stored or compromised since only the digital account number is passed on to the merchant.

When you add your personal information into a digital wallet, that data is then converted into a unique code via encryption that can only be accessed by authorized entities. Digital wallets go a step further by also adding in tokenization, which takes that sensitive encrypted data and replaces it with a non-sensitive digital equivalent known as a token. These unique tokens are randomly generated every time a user makes a payment and only the merchant’s payment gateway can match this token to accept the payment.

Ultimately, your information is useless and unreadable to fraudsters when encryption and tokenization are used together.

Not only is your information more secure thanks to that technology, but also through user verification. This added layer of security is usually done by fingerprint, facial recognition or PIN.

Once you have your card loaded in your digital wallet, there are many ways you can use it:

  • On the go: Use your wallet to pay wherever you see the contactless symbol by holding your phone up to the symbol on the terminal. Any merchant where contactless payments are accepted will be available for digital wallet purchases.
  • Online: When shopping online, some sites let you select a digital wallet as your payment option at checkout instead of having to enter your card information each time you make a purchase.
  • In-app: Use your digital wallet app for things like ride shares, morning coffee or food delivery services.

Simply load your eligible ANB Bank Personal or Business Debit Card via the digital wallet app on your phone (Apple Pay, Samsung Pay or Google Pay).

Your actual card number is not stored on your device or shared with most merchants. The app assigns each debit card a virtual card number associated only with the digital wallet and mobile device you use.

Locate the card in your Digital Wallet and select "Remove Card" from the Card Setting screen to delete it from the mobile or wearable device. This will delete the associated digital account number, but the physical card can still be used for purchases.

If you need to make a return for a purchase made with your Digital Wallet, you can receive refunds to your account. The key difference is that you may be asked to provide the cashier the last four digits of your Device Account Number instead of the last four digits of your card number. To find the last four digits of your Device Account Number for your card, locate the card in the Digital Wallet section of your device under the "Card Setting" screen.

No, the digital wallet will prompt you with a number to call if your card doesn't load into the Digital Wallet.

Digital Wallet transactions will appear just like a standard debit card transaction on your statement, or through the online or mobile platforms.

Yes, Digital Wallet transactions will count the same as normal card transactions.

Beneficial Ownership

Beneficial Ownership

Name, physical address, date of birth, social security number, and identification documents for:

  • Each individual that owns 25% or more of the legal entity; and
  • One individual that has significant managerial responsibility for the legal entity, such as a CEO, CFO, managing member, etc. This individual may also be an owner.

Legal entities are any entities which are formed by filing documentation with a Secretary of State or similar office. Examples include, but are not limited to:

  • Corporations,
  • Limited liability companies,
  • Limited partnerships, and
  • General partnerships.

Examples of entities which are not considered legal entities, or are exempt include:

  • Sole proprietorships,
  • Unincorporated associations,
  • Most trusts (excluding statutory trusts),
  • Government entities,
  • Publicly traded companies, and
  • Companies registered with the SEC.

Entities which are exempt may be requested to provide proof of exemption status.

Beneficial owner information must be provided prior to opening a new loan, deposit or Financial Services account, any time account signers are changed, or as otherwise requested by the bank.

The bank will provide a certification form. The individual requesting the account to be opened must supply and certify the accuracy of the information at the time of account opening or when requesting maintenance.

Customers should contact their branch, relationship manager or the ANB Customer Care Center at 866-433-0282.