Q: “What can your business do to combat check fraud”?
“With Positive Pay we create a proactive approach to eliminating check fraud. Positive Pay allows you to electronically upload your check register to American Bank. We will match the items presented for payment to those issued according to your check register and only pay the checks listed to the precise specifications you indicate. Items that do not match are sent to you for verification before they clear your account. So, you only need to look at the items that don’t match the check register. Reduce fraud, save time and money and put yourself in control”.
— Amy Lynch, AAP, Manager - Treasury Management Services
Q: "Over the years our business has grown. We have run out of space for staff, equipment and inventory. We would like to expand, relocate or build a new facility. Can American Bank help?"
“Our experienced commercial lenders are here to help you decide which option is best for you and your business. If adding on to your existing location or building a new facility are in your future, we can efficiently approve and manage the construction process. We have competitive loan rates and terms and keep costs to a minimum, allowing you to remain focused on your daily business. Over the years our lenders have helped many customers and would be happy to discuss and guide you through your project. If your current facility is hampering your business growth initiatives, contact any of our commercial lenders to discuss how we can help position your business for the future. Give me or Jed a call and let's talk!"
— Jed Keller, Vice President, NMLS #509451 and Isaac Mueller, Assistant Vice President, NMLS #509446 specializing in commercial lending
"Some helpful information to bring with you and that will help save some time in the application process include:
-Social Security number and driver's license information for all applicants
-Your W-2's from the previous year
-2 recent paystubs with detailed earnings information
-Copies of checking and savings account statements for the past 2 months
-If self employed, 2 years tax returns of personal and/corporate income taxes
We can complete the application together and contact you with an answer! Give me a call today!"
— Rita Keys, Vice President, Loans, NMLS #507538
Yes, he can open a savings account to receive payroll by direct deposit and access the money in his savings account by taking a withdrawal at the bank or at an ATM with an ATM card. A savings account will also enable him to deposit and cash paper checks.
— Peggy Zickert, Banking Officer, Customer Service Department
Hello! My name is Victoria and I come to American Bank with more than 30 years of experience in the banking and lending industry. One of the best parts about working at American Bank is providing a One-to-One Banking relationship. As an independent, privately owned bank, we can give more attention to our customers and the details that impact their lives, and will find ways to help our customer achieve their dreams. My commitment is to guide you every step of the way and also understand that home financing is one of the biggest financial decisions you will make in your life. Give me a call today!
— Victoria Andes, Mortgage Loan Originator, NMLS #447073