Q. What is AmericanBank Mobile?
A. AmericanBank Mobile is an easy and convenient way to access your personal or business accounts almost anywhere using your mobile device. You can use this secure service to view your account balances, make transfers and more. American Bank reserves the right to limit access to AmericanBank Mobile and some services may not be available on all accounts. Please refer to the Electronic Fund Transfers Disclosure for information on limitations that apply to online and mobile transactions.
Q. How do I access AmericanBank Mobile on my phone?
A. You can access AmericanBank Mobile by going to AMBK.com on the browser of your phone or by downloading American Bank’s Mobile App from the App store on your iPhone or Google Play on your Google device. Or, click on the appropriate link to download the App directly: iPhone or Google.
Q. How do I know I am downloading a legitimate App?
A. To ensure the safety of your personal and account information, download mobile apps from reputable sources only such as Google Play or the iTunes Store and ensure that American Bank is listed as the App publisher.
Q. Is there a cost to use AmericanBank Mobile?
A. At this time, American Bank does not charge any additional fees to use AmericanBank Mobile. However, you should check with your wireless provider as carrier fees, data usage fees and web access fees may apply.
Q. I'm not enrolled in AmericanBank Online. Can I still register for AmericanBank Mobile?
A. No, in order to use AmericanBank Mobile, you must first enroll for AmericanBank Online.
Q. I'm enrolled in AmericanBank Online. Can I use my AmericanBank Online login credentials for AmericanBank Mobile?
A. Yes, you use the same login credentials for AmericanBank Mobile that you currently use for AmericanBank Online. This includes your Sign-on ID and Password.
Q. Is my personal or financial information stored on my phone?
A. No, AmericanBank Mobile does not save any files with personal or financial information on your mobile device. That information stays strictly within online banking. When accessing the App, you have the option to save your Sign-On ID. If you choose to save your Sign-On ID, the Sign-On ID is partially masked.
Q. Which accounts can I access using AmericanBank Mobile?
A. You can access any account that you currently have set up in AmericanBank Online.
Q. How current is the account and transaction information?
A. AmericanBank Mobile operates in real-time and displays the most up-to-date information for your accounts. When you view your account balance or transaction history, you see up to the minute details with the exception of deposits made through Mobile Deposit. Mobile Deposits will be posted to your account by the bank’s cutoff time as described in the Consumer Mobile Deposit Addendum and Business Mobile Deposit Addendum.
Q. What if my phone is lost or stolen?
A. If your mobile device is lost or stolen, no one can access your account without knowing your unique user name and your password.
Q. Is AmericanBank Mobile secure?
A. AmericanBank Mobile, whether accessed through your browser or the App, uses Secure Socket Layer (SSL) encryption. SSL encryption ensures that electronic information passed between you and American Bank cannot be read by outside parties, even if intercepted.
Q. Should I install anti-virus protection on my mobile device?
A. American Bank recommends the use of anti-virus software when available for your mobile device. Anti-virus software may not be available for all mobile devices.
Q. Can I pay bills on AmericanBank Mobile?
A. Consumer users that are currently using online bill pay within AmericanBank Online can pay bills only to those billers that are already set up. Business bill pay is not available through AmericanBank Mobile.
Q. Can I make Cross-Customer Transfers on AmericanBank Mobile?
A. Consumer users that have cross-customer transfer accounts set up within AmericanBank Online can create transfers to only those currently set up. New cross-customer accounts will need to be set up within AmericanBank Online prior to setting up transfers within AmericanBank Mobile. Cross-Customer transfers are limited to consumer users only.
Q. If I have any questions regarding mobile banking or mobile deposits, who should I contact?
A. You can contact Customer Service at 888.366.6622 from 8am to 6pm ET, Monday through Friday, and 9am to Noon ET on Saturday or by sending a Secured Message after signing on to AmericanBank Online.
Q. Can I make deposits on my mobile device?
A. Mobile deposits can be made to select accounts through the AmericanBank Mobile App. Accounts must be in good standing. Restrictions and limits apply.
Q. How can I make deposits on my mobile device?
A. The AmericanBank Mobile App is required to make deposits. To make a deposit to an eligible account, you must first sign into the AmericanBank Mobile App. After signing in, you will choose ‘Mobile Deposit’ and select ‘Make a Mobile Deposit’. Simply select the account that you want to deposit to, enter the amount, take a photo of the front & back of the check, then click 'Make Deposit' to submit your deposit.
Q. What are the limits for the number and dollar amount of deposits?
A. For consumer customers, the standard deposit limits are up to $5,000 per business day and no more than $20,000 or 12 deposits per rolling 7 calendar days, whichever occurs first. The limit is set per online agreement.
For business customers, the standard deposit limits are up to $10,000 per business day and no more than $20,000 or 12 deposits per rolling 7 calendar days, whichever occurs first. The limit is set at the business level. This means that that the limit is aggregated for the business Administrator and all business Users that are set up under the business.
For consumer and business customers, the available deposit limits can be viewed on the ‘Make a Mobile Deposit’ screen within AmericanBank Mobile.
Lower limits apply for newer accounts. We reserve the right to modify limits at any time without notice.
Q. If I make a mobile deposit, when will my funds be available?
A. Deposits made prior to 5:00pm ET on a business day will be available on the 2nd business day following the day of deposit, except as otherwise noted within the Consumer Mobile Deposit Addendum and Business Mobile Deposit Addendum. Deposits are subject to verification.
Q. Will I receive confirmation of my mobile deposit from American Bank?
A. When you provide an email address when making a mobile deposit through AmericanBank Mobile, you will receive a confirmation email when your deposit is submitted. In addition, you will receive an email to this same email address with the status of your deposit. Your deposit can be approved, approved with an adjustment, or rejected. If your deposit is rejected the email will contain a reason for the rejection.
Q. How can I check the status of my mobile deposit?
A. You can check the status of your mobile deposit by signing into the AmericanBank Mobile App. After signing in, you will choose ‘Mobile Deposit’ and select ‘Mobile Deposit History’. Within Mobile Deposit History, you can check the status of your deposit and view check images of approved deposits.
Q. Should I sign the back of my check when making a mobile deposit?
A. Yes, you should sign the back of the check as it is made payable. In addition, under your signature you should write ‘For American Bank Mobile Deposit Only.’
Business Mobile Banking
Q. Who has access to AmericanBank Business Mobile?
A. Business Administrators and Users that have been granted access within AmericanBank Online automatically have access to Business Mobile. Authorizations granted in AmericanBank Online are identical within AmericanBank Mobile. For example, if a business user cannot release an ACH batch or transfer funds from one account to another in AmericanBank Online, that user would also not be able to release a batch or transfer funds in AmericanBank Mobile.
Q. What Business functions are available within AmericanBank Mobile?
A. Business Administrators and Users will have access to:
- view history, approve and release ACH Batches
- view history, approve and release Wires
- view history, transfer between eligible accounts
- view account balances and history
- make mobile deposits and view mobile deposit history.
Q. Where in AmericanBank Mobile can I see who created and/or approved an ACH batch?
A. After signing into AmericanBank Mobile, choose ACH. On the ACH menu, choose ‘Batch Manager’ to view the details of a batch that has not yet been released. Once on the next screen, click ‘View More Details’ under the batch that you would like to get additional information about.
Q. Where in AmericanBank Mobile can I see who created and/or approved a Wire?
A. After signing into AmericanBank Mobile, choose Wire Transfers. On the Wire menu, choose ‘Wire Manager’ to view the details of a batch that has not yet been released. Once on the next screen, click ‘View More Details’ under the Wire that you would like to get additional information about.
Biometric Identifier Technology
Q. What is a Biometric Identifier?
A. A biometric identifier is a distinctive and measurable human characteristic that can be used to label and describe any individual. A biometric identifier includes, but is not limited to, fingerprint, face, voice, iris, retina and handwritten signature - as long as the identifier is unique for the individual.
Q. Can I use my biometric identifier to log into AmericanBank Mobile on my Mobile Device?
A. Yes, provided you are using an eligible device with the biometric identifier technology, you have the feature turned on in your device settings, and you are logging into our Mobile App.
Q. How does the biometric identifier technology work?
A. Biometric identifier technology provides an alternative method to logging into our mobile App. Once set up, you will use your biometric identifier to login instead of entering your Password.
Q. If my biometric identifier is not recognized, can I still log on to my account?
A. Yes. You can still log on to the App using your Sign-On ID and Password.
Q. Can I use the biometric identifier technology to log on if I have other people's biometric identifiers stored on my device?
A. When you enable the biometric identifier log on, any biometric identifier stored on your device - now or in the future - can be used to log on to the App. Enabling biometric identifier technology on an Eligible Mobile Device you share with another person is strongly discouraged. You should only enable the biometric identifier feature if you are the only person who has registered biometric identifiers on your device. You can always add or remove a biometric identifier in your device settings.
Q. Will my biometric identifier be stored in the App or elsewhere within AmericanBank Mobile?
A. No. Your biometric identifier will not be stored in the App or kept within AmericanBank Mobile.