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Important Information Regarding Overdraft Coverage on your Debit Card

Your American National Bank of Fremont debit card has a special overdraft service feature that may provide a safety net in the event there are not enough funds in your account at the time of your debit card purchase or ATM withdrawal. 

Recently, the Federal Reserve issued a regulation requiring banks to give customers the choice of Opting In which allows overdrafts to be paid on ATM or debit card transactions.

IF YOU OPT IN:

Your debit card will work as it currently does.  If we authorize reasonable debit card transactions that cause your account to fall into a negative balance, you will incur a normal non-sufficient funds (NSF) fee of $29.00 as set forth in our Service Fee Schedule.  Opt In means you will continue to have a safety net up to your available overdraft limit that may save you from the embarrassment and inconvenience of having a transaction declined if you have made a balancing mistake with your account.  There is NO FEE to keep this overdraft service on your account and NO FEE if you never use it.

IF YOU OPT OUT:

As of August 15, 2010 we will no longer be able to provide an overdraft service coverage for any ATM or everyday debit card transaction that would cause your account to reach a negative balance.  If there are insufficient funds, the debit card or ATM transaction will be declined.

LET US HEAR FROM YOU

If you want to keep the overdraft service for your debit card, please let us know.  You can provide us your authorization by submitting the secure form attached below, or by calling us at (402) 727-8600.

Authorization Form 

American National Bank Awarded Superior Rating by Bankrate.com

American National Bank of Fremont is the only Fremont bank to be awarded five stars in Bankrate.com's Safe & Sound® Rating's Service for the quarter ended December 31, 2009.  Five stars is the highest awarded rating and is defined as a "Superior" ranking of relative financial strength and stability.

"For many consumers and members of the financial industry, Bankrate.com is the 'go-to' resource for objective and reliable information on the strength and security of the nation's banks," said Scott Meister, president of American National Bank.  "To achieve its highest rating of five stars is an honor, but moreover it's an objective gauge of our bank's continued strength and stability."

"Now more than ever, consumers need to know that their money is safe," said Thomas R. Evans, president and CEO of Bankrate.com.  "Historically, when financial institutions receive one of our 4 or 5 star Safe & Sound® ratings, it has been a strong indicator of their financial health."

In it's 27th year, American National Bank of Fremont has $160 million in assets.  Customers can bank any way they choose - online at www.anbf.com, by phone, ATM, drive-up or walk-in.  Full-service bank locations include the Main Bank at 6th and Broad Streets, and branches at Nye Avenue and 23rd Street and Lincoln and 23rd Street.

Midland Back to School Bash with LoCash Cowboys!

LoCash Cowboys

Join us as LoCash Cowboys perform Wednesday, August 25th at 8 P.M. at Fremont's Memorial Field during Midland's back to school bash. Tickets are selling at a low price of $10.00 each, and all proceeds will go to Midland Lutheran College.  You can purchase tickets at any of American National Bank's three locations.  Please join us in the fun as we welcome the new and current students to Midland and help them kick off a great year!   

Join us for Branson Extravaganza

Come and join us for the Branson Extravaganza, September 13-17.  Call Mary at 727-8600 or Nola at 727-9550 to reserve your space with a $75.00 down payment by August 15.  Branson offers some of the most popular shows, such as The Twelve Irish Tenors, The Osmond Brothers, Brett Family, Jim Stafford and the famous Branson Belle Showboat.  We will see the beautiful Branson Landing, Lake Taneycomo, and Table Rock Lake. 

Treasury Tax and Loan Payments  (TT&L)

The Financial Management Service (FMS), a bureau of the U.S. Department of Treasury, has announced December 31, 2010 will be the last day for financial institutions to accept Treasury Tax & Loan coupons under an Internal Revenue Service proposed rule change.  Businesses will be required to pay taxes electronically or mail a check with their return. 

American National Bank of Fremont is recommending our customers utilize the electronic method of payment known as Electronic Federal Tax Payment System or EFTPS.  Effective September 1, 2010, American National Bank of Fremont will no longer be processing TT&L coupons. 

Click here to Learn More 

Mobile Banking

Now you can access real-time account information right from the palm of your hand.  Mobile Banking is convenient, easy to use, and uses the highest level of security with multiple layers of authentication.  

To enroll, simply log in to Internet banking, click the USER OPTIONS menu at the top of the page, scroll down to MOBILE BANKING and select EDIT. 

Click and Learn      

  • View real-time account balances
  • 24-hour access to checking and savings accounts
  • Make transfers
  • Set up alerts to notify you when your account falls befow a specified dollar amount. 
  • Application is free  (standard messaging fees may apply)