Online Banking, E-Statements, EFT, Wires, & Fees

Online Banking:

With our Enhanced Online Security, Online Banking at American Heritage National Bank has never been safer. For Business Banking and Personal Banking, it’s fast, convenient and free.

Manage your money 7days a week, 24 hours a day fom anywhere:
Check your balance
View statements/activity
Transfer money between your American Heritage National Bank accounts
Use bill pay service
Make loan payments
And More!

Signing up for Free Online Banking is easy! Simply Click Here to get started.


E-Statements:

E-Statements are a great way to enhance your security and reduce clutter!

S
imple sign up
Enhance confidentiality
Convenient
Useful
Reduce clutter
Eco-friendly

To enroll for FREE E-Statements today, follow the easy instructions below:

1. Log into your online banking account and then choose Options.
2. At the bottom in the "E-Statement Enrollment" section, you should see all the Checking and Savings accounts that are not enrolled *(if you do not see your account, please contact customer service). Click "Edit."
3. Select the accounts that you would like to enroll.
4. Verify/enter the correct email address.
5. Click on the link "E-Statement Delivery Disclosure and Agreement." A disclosure will pop up. After you read it, close it.
6. You can now select the box next to the "By this box" ...(You cannot select this box until you do Step 5)
7. Click Accept.  

Service available 24 hours from any phone – easy instructions as follows:

Instructions:
1.    Have your account number and last four digits of your tax identification number on hand. The first time you access your account the last 4 digits of your tax identification number will function as the personal identification number (PIN). The system will require you to change the PIN to a different number.

2.    Dial one of the following numbers:
St. Cloud: (320) 654-2757
Long Prairie/Browerville: (320) 732-7614

3.    Select from the following menu options:
-Inquire on Accounts
-Request Stop Payment
-Transfer Funds
-Change PIN

4.    Follow simple voice instructions for the available account information (see below):

Account Information Available

Checking/SavingsCertificatesLoans
Account BalanceAccount BalanceAccount Balance
Available BalanceLast Interest PaidPayment Information
Recent Transaction HistoryMaturity DateInterest Information
Specific Check InquiryInterest InformationPayment History
Interest InformationMake a Loan Payment


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American Heritage National Bank has a secure (SSL) integrated delivery portal for ACH transactions. By utilizing the secure SSL Server for creating, transmitting, and retrieving ACH information, you can eliminate the risk of account information being compromised and give yourself the confidence that your information is secure.

Click Here to access your EFT account

request-info

Cashier's Check, Bank Money Order, & Personal Money Order:

A Cashier's Check, Bank Money Order, or Personal Money Order is a check gauranteed by a bank. In order to purchase one of these checks, you need to be a customer with a transaction account at American Heritage National Bank. These items may be purchased using cash or secured funds.

To purchase a Cashier's Check, Bank Money Order, or Personal Money Order, please stop in to any of our four branches.

 
Wire Transfers:

A wire transfer is an electronic method for making payments and deposits from bank to bank.    

To send a wire out from AHNB, the following information is needed:
Domestic Wires:     
Beneficiary institution's name
Routing number
Account number
Beneficiary full name and address
Any payment instructions

Please inquire with the beneficiary institution on its wiring instructions. They may need additional information.

International Wires:
Beneficiary institution's name
Beneficiary full name and address
Account number
Swift code or other foreign bank ID
Any payment instructions

The fees for outgoing wires are as follows:
Domestic:        $25
International:   $45

Please stop by any of our four branches to complete a wire transfer. American Heritage National Bank does not send wires for non-customers. Money must be available funds for wire transfers.

To send a wire to an account at AHNB, you will need the following information:
American Heritage National Bank
Routing #091903051
Customer's Name
Customer's Account Number

The fees for incoming wires are as follows:
Domestic:        $20
International:   $25

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Safe Deposit Boxes:

Keep your valuable items and documents safe in a bank vault. Customers must have a transaction account for auto pay of the Safe Deposit Box rent. Rent is due annually on May 1st for St. Cloud West and St. Cloud East, and January 1st for Long Prairie and Browerville. Each branch has convenient sizes available:

St. Cloud: Boxes are all 21 inches long
3x5      $25/year
3x10    $40/year
5x10    $50/year 
10x10  $85/year

Long Prairie/Browerville: 
  L          H          W
  1'   x    2"    x    5"      $10/year
  2'   x    3"    x    5"      $17/year
  2'   x    5"    x    5"      $20/year
  2'   x    3"    x    10"    $25/year
  2'   x    5"    x    10"    $30/year
10'   x    10"  x    24"    $60/year

Notary Public:

American Heritage National Bank has Notary Public's available at our Long Prairie, St. Cloud West, and St. Cloud East locations during regular lobby business hours.
The document must be signed in front of the notary.
The notary must be provided with a current I.D.
This service is free for American Heritage National Bank customers and $1.00 per page for non-customers.


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Fee Schedule:

Auto Transfer Fee

 

 

     Line of Credit to Deposit Acct.

$3.00

 

     Ready Credit Advance (Per trans)

$3.00

 

     Deposit to Deposit Acct.

$5.00

 

Bank Money Order

$5.00

 

Cash Handling > $11,000 daily 

 $5 per $1000

 

Cashiers Check

$5.00

 

Cashing Checks (Non-customer)

Varies

 

Charge Back Item

$4.00

 

Check Printing

Varies

 

Closed Deposit Acct Fee < 6 mo.

$25.00

 

Coin Counting    < $100

$5.00

 

> $100

5%

 

Collections

$30.00

 

Computer Amortization

$10.00

 

Copy of Statements - Deposits

$5.00

 

     Print-Out of Activity

$3.00

 

     Note Payment Notice

$3.00

 

Counter Checks > 5

.50 each

 

Coupon Book

$15.00

 

Debit Card Dispute Processing

$12.00

 

Debit Card Pin Order

$5.00

 

Debit Card Reorder (Lost)

$10.00

 

Depository Bags (Locked)

$25.00

 

Dormant Account (Per statement)

$5.00

 

Electronic Funds Transfer (ACH)

 

 

     Service Per Month

$15.00

 

     Per File

$5.00

 

     Per Item in File

$0.08

 

Levy/Garnishment

$95.00

 

Lien Release (Duplicate)

$10.00

 

Mortgages

 

 

     Partial Release/Satisfaction

$100.00

 

     Subordination

$200.00

 

     Recording Service

$50.00

 

Night Depository Fee (Annual)

$15.00

 

Notary (Non-customer)

$1.00

 

Online Bill Payment

$0.50

 

Overdraft Charge (Per check)                          

$30.00

 

Overdraft Charge - 7 days

$30.00

 

Payoff Statement for Loan

$25.00

 

Payroll Direct Deposit

 

 

     Service Per Month

$15.00

 

     Per File

$5.00

 

     Per Item in File

$0.08

 

Personal Money Order

$5.00

 

Remote Deposit Service

 

 

     Installation Fee

$475.00

 

     Service Per Month

$40.00

 

 Research

$25 .00 per hour, plus $3 .00 per stmt 

 

 

up to 2 pages then $1.50 per page 

 

 Research - Legal

Varies 

 

 Returned Mail/E-Statement

$3.00 

 

 Safe Deposit Box (Per size per year)

 

 

     St. Cloud West & East

$25-85.00 

 

     Long Prairie & Browerville

$10-60.00 

 

 Statement Reconciliation (Per hour)

$25.00 

 

 Stop Payment (6 months)

$30.00 

 

 Wire Transfers

 

 

     Domestic - Incoming

$20.00 

 

     Foreign - Incoming

$25.00 

 

     Domestic - Outgoing

$25.00 

 

     Foreign - Outgoing

$45.00