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FAQs | American Heritage National Bank

FAQs

General FAQs

What time do I have to have my deposit in to have it credited on today’s business date?

St. Cloud/Clearwater Offices:
4:00 p.m.

Avon/Long Prairie/Browerville/Wayzata Offices:
3:00 p.m.

I recently moved, how do I change my address?

To change your address, you can call any one of our seven branches or email us with the change of address. Also, make sure to send us your current phone number and email address so we can ensure your information is up to date.

Call Us

St. Cloud West (320) 654-9555
St. Cloud East (320) 257-5000
Clearwater (320) 558-2021
Avon (320) 356-7334
Long Prairie (320) 732-6131
Browerville (320) 594-2215
Wayzata (952) 767-0413
How do I reorder checks?

www.bank-a-count.com/financial/OrderChecks/091903051

If this is your first time ordering checks, please Contact Us to do so. All subsequent orders will then be able to be ordered using the above link. 

How do I sign up to receive eStatements instead of paper mailed statements?
  • Log into your online banking account and choose “Profile” in the upper right hand corner.
  • Click "Edit" next to "Electronic statements."
  • Click the circle next to "eStatement." Repeat this step for all accounts you would like to receive eStatements for.
  • You are now enrolled in eStatements!
How do I protect myself from identity theft?

Identity theft is one of the fastest growing crimes in the nation. American Heritage Bank cares very much about protecting your identity and financial security, so we are pleased to provide the following program about identity theft protection to our customers for free. 

To learn more, click here to Digital Defense

Are my deposit accounts covered by FDIC insurance?

Yes, subject to applicable limits. American Heritage Bank is a member of the Federal Deposit Insurance Corporation (FDIC).  

FDIC Website

What is the FDIC insurance limit for my accounts?

Your deposits at American Heritage Bank are fully insured up to $250,000 by the Federal Deposit Insurance Corporation (FDIC), and are therefore backed by the full faith and credit of the U.S. government. Please keep in mind, FDIC coverage depends on the type of accounts you have and the ownership of those accounts. You can learn more about FDIC coverage and how you are impacted by visiting the FDIC Website

Estimate your coverage by accessing the FDIC Electronic Deposit Insurance Estimator

Special FDIC Insurance Provisions for Non-Interest-Bearing Transaction Accounts:

In accordance with the Dodd-Frank Wall Street Reform and Consumer Protection Act, from December 31, 2010, through December 31, 2012, all funds in "non-interest-bearing transaction accounts" are insured in full by the FDIC. This unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules. The term "non-interest-bearing transaction account" includes a traditional checking account (or demand deposit account) on which the insured depository institution pays no interest. It does not include any transaction account that may earn interest, such as a negotiable order of withdrawal ("NOW") account, money market deposit account, or Interest on Lawyers Trust Account ("IOLTA"), even if checks may be drawn on the account.
The temporary full insurance coverage of "non-interest-bearing transaction accounts" expires on December 31, 2012. After December 31, 2012, funds in non-interest-bearing transaction accounts will be insured under the FDIC's general deposit insurance rules, subject to the Standard Maximum Deposit Insurance Amount of $250,000.

For more information, visit the FDIC Website.

How do I send/receive a wire transfer?

A wire transfer is an electronic method for making payments and deposits from bank to bank. Click Here for more information on how to send/receive a wire transfer.

ATM/Debit Card FAQs

How do I activate my ATM/HSA/Debit Card?
  • Call 1-800-708-7119 to activate your Debit MasterCard.
  • Stop in at any of our seven branches and see a Universal Banker.
I do not remember my PIN for my ATM/HSA/Debit Card. How can I get another one?

Please call (800) 992-3808 to change the PIN for your ATM/HSA/Debit Card.

My card is expiring soon. How do I get another one?

Simple! Located on the front of your MasterCard ATM/HSA/Debit card is an expiration date. You will automatically receive a new card mid-month of the month that your card expires. You will not receive a new PIN number and your current PIN will work for your new card.

I will be traveling; how do I locate an ATM that will not charge me for withdrawals?

Your ATM/HSA/Debit Card can be used surcharge free at any MoneyPass ATM.  
Click Here to locate a MoneyPass ATM.

eStatement FAQs

How do I sign up to receive eStatements instead of paper mailed statements?
  • Log into your online banking account and choose “Profile” in the upper right hand corner.
  • Click "Edit" next to "Electronic statements."
  • Click the circle next to "eStatement." Repeat this step for all accounts you would like to receive eStatements for.
  • You are now enrolled in eStatements!
How do I view statements online?
  • Sign into your online banking account.
  • Click on desired account.
  • Click on "Documents" tab on navigation bar.
  • Enter date range.
  • Click "Submit."
  • Requested statements will appear under "Available Documents" heading.
How do I change the email address to which my eStatement notifications are sent?
  • Log into your online banking account and choose “Profile” in the upper right hand corner.
  • Click "Edit" next to "Email."
  • Enter in your correct email address.
  • Click "Save."

Online Banking FAQs

How do I change my Online Banking password?
  • Log into your online banking account and choose “Profile” in the upper right hand corner.
  • Click "Edit" next to "Password."
  • Enter your current online banking password and then enter and confirm your new password that you have chosen.
  • Click "Save."
How do I view checks online?
  • Sign into your online banking account.
  • Click on the desired account that check has cleared through.
  • On right side of page under "Search Transactions" put in amount of check and/or date.
  • Click "Search."
  • To view check, click on the check number.
Why are some of my accounts not showing up online?

In order to view an account online, you need to be a joint owner or authorized signer on the account. Please contact a Unverisal Banker with any additional questions you may have regarding account ownership.

Call Us

St. Cloud West (320) 654-9555
St. Cloud East (320) 257-5000
Clearwater (320) 558-2021
Avon (320) 356-7334
Long Prairie (320) 732-6131
Browerville (320) 594-2215
Wayzata (952) 767-0413
FDIC

At times, we may provide links to sites outside the control of our institution. We do not make any representations concerning the linked sites' contents or availability. You should review each site's privacy and information security policies carefully before you enter confidential information.

Investment, Insurance and Advisory Products and Services, and Foreign Exchange Transactions, are Not FDIC Insured or Insured by Any Federal Government Agency, Not a Deposit, Not Bank Guaranteed and May Lose Value.