Personal Banking

Do more with your money.

Featured Personal Banking Products

At American National Bank, our personal banking products, services and expertise work together to help you do more with your money.

From checking to savings, credit cards, gift cards, personal loans and home loans designed for all phases of life—you’ll find everything you need. And with 37 locations in eastern Nebraska, western Iowa and the Minneapolis-St. Paul area, you’re never too far from your trusted banking partner.


An easier way to manage your money.

We make it simple and convenient to manage your money. Whether you want the basics without monthly fees or are looking for benefits earning you premium rewards, our account options offer you the flexibility to do more.

Home Lending

Loans designed with you in mind.

We personalize each loan to meet your financial needs. We’ll work hand in hand with you to answer questions and guide you through the process.

Personal Credit Cards

Get more out of every purchase.

Spend smarter and safer with our American National Bank Mastercard options. Earn points toward travel, merchandise, gift cards and more every time you use your card. And with each card featuring EMV chip technology, you’ll also receive an added layer of security to help safeguard your information.

Gift Cards

Let them decide.

Not sure what to get them this year? A prepaid American National Bank Mastercard® Gift Card lets them decide. It’s the perfect gift for birthdays, holidays, weddings, graduations, or anniversaries. And can also be used for travel spending, student allowances, and budgeting. Pick your design and use it everywhere Mastercard® is accepted. Valid only in the US. Visit a branch to pick one up today.

Gift cards issued by Metabank®, N.A. Member FDIC
Mastercard® is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

Community Engagement

A bank of the community, for the community.

We believe in supporting our communities. In addition to charitable gifts and nonprofit banking services, we encourage banker involvement with our Volunteer Time Off initiative, board membership, and employee donation-matching.

Deep Client Relationships

More than bankers, we are advisors.

We don’t just consider ourselves bankers, but advisors for the success of every client. We’re here to listen, share advice and guide you through the process of starting, growing or scaling your business.

Local Decision-Making

Decisions are made here and made fast.

Whether it’s a personal loan or a large-scale commercial real estate project, our leaders and core decision-makers live and work locally – and are able to make decisions and grant approvals faster than large chain banks.

Technology and Automation

Making your banking as easy as possible.

Always looking into the future of the banking industry and better understanding the needs of our clients, American National Bank has recently launched all-new, powerful personal banking apps and online banking tools.

Experience and Expertise

Knowledgeable experts in various fields.

We’re proud to have the most knowledgeable and experienced bankers who understand the ins and outs of the verticals in which they work, collaborating with other lines of business to offer the most effective solutions to your financial needs.


Big bank opportunity. Community bank flexibility.

Not too big, not too small. We’re the perfect size for both the personal and business sides of banking. Our customers are able to have all the products, services and opportunities of a big bank, with the personalized service of a community bank.