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Mobile Banking FAQ

We are proud to introduce our AB&T Mobile Banking App. To better assist you with any questions you have concerning our app, we have created this FAQ. 

We realize that this FAQ may not cover all of the questions or concerns that you may have about this service. If this occurs, please feel free to contact us at 270-796-8444 or stop by any of our convenient locations. We will be glad to help!

General Information & Device Requirements

What is mobile banking?

Mobile banking is an extension of online banking which enables you to conduct basic banking transactions (balance inquiry, account history, funds transfer) via a mobile device. Enhanced features of the new American Bank & Trust Mobile App include Mobile Check Deposit and Mobile Bill Pay. Mobile banking options include, Mobile Web Browser, and a downloadable Mobile Application. *Online banking not available using Internet Explorer browser.

Which mobile banking product should I use?

The American Bank & Trust Mobile App can be downloaded from your official App Store (Apple or Google Play). The free mobile application offers immediate and direct access to your AB&T accounts, and allows you to view balances and account history, transfer funds, pay bills, and make deposits with your Apple or Android mobile device. The Mobile Web Browser allows you to enjoy the same features of the mobile app (with exception of Mobile Check Deposit) without having to download anything to your mobile phone. The mobile browser is accessed through a URL.

Can I use more than one type of mobile banking?

Of course! You may use one, two, or all three mobile banking products depending upon what type of mobile device you have and what you are wishing to accomplish.

Who can use American Bank & Trust Mobile Banking?

Any personal or business banking customer of American Bank & Trust that has an open checking, savings, or loan account can sign up for mobile banking. If you are not a current AB&T online banking customer, you will need to enroll in online banking before you can enroll in mobile banking.

Are there any fees associated with mobile banking?
American Bank & Trust does not charge fees for the use of its mobile banking products; however, in the event that a transfer or bill payment results in an account being overdrawn, or if a deposited check is returned by the bank of first deposit, additional fees may be applied at the account level. We also recommend that you check with your wireless service provider to see if any connectivity or usage rates may apply.
Are there any fees associated with mobile banking?

American Bank & Trust does not charge fees for the use of its mobile banking products; however, in the event that a transfer or bill payment results in an account being overdrawn, or if a deposited check is returned by the bank of first deposit, additional fees may be applied at the account level. We also recommend that you check with your wireless service provider to see if any connectivity or usage rates may apply.

Can I use mobile banking outside the U.S.?
If you are traveling outside of the U.S. and have internet access through your wireless service provider, you should be able to use your previously downloaded mobile app. We recommend that you check with your wireless service provider to see if any connectivity or usage rates may apply. You will not be able to download the app outside of the U.S. To use the mobile web browser if you’re unable to download the app, visit the following URL from your mobile device: https://my.ambanking.com/login.
What if I have additional questions about mobile banking?

If you have additional questions, please contact mobile banking support at 270-796-8444.

Access & Enrollment

How do I download the app?

Go to the official app store for your device (Apple or Google Play) and search for “ABTBG.” Download and install the app to your mobile device.

How do I log in to the app?
Once you have downloaded and installed the app from the official app store for your device, you will use your American Bank & Trust online banking Access ID and Passcode to log in. If you are not currently enrolled in online banking, click here to Enroll. You can also enroll by following the enrollment link located on the sign in screen of your mobile app. After enrolling in online banking, you can log in to the app and complete the mobile enrollment process. If you are logging-in to the new app for the first time (as of March 8, 2021), after entering your credentials you may receive a “Whoops, something went wrong” screen. Call us at 270-796-8444 and we will give you a temporary password.
How do I enroll in mobile banking?
You will enroll in mobile banking the first time you log in to the app on your mobile phone. Log in with your current online banking Access ID and Passcode. You will be prompted to answer questions through a verification process. Next, you will read and accept the Mobile Terms & Conditions. This will complete the enrollment process.
Can I enroll in mobile banking without downloading the mobile app?
To use the mobile web browser rather than downloading the app, visit the following URL from your mobile device: https://my.ambanking.com/login. You will log in with your current online banking Access ID and Passcode. You can also visit https://www.ambanking.com/ and click on the “Enroll” link in the Online Banking Login box on the home screen.
Can I use my old mobile banking credentials on the new mobile banking app?

Your username will be the same but if logging-in for the first time since March 8, 2021, please call us for your temporary password. If you have forgotten your online banking Access ID you can call 270-796-8444 and ask for mobile banking support. If you know your Access ID, but have forgotten your Passcode, please click here to Reset your Passcode.

Can multiple people use the mobile banking app through the same device?
Yes, however we recommend individuals and customers with joint accounts have their own log-in credentials.
What if I forget my Access ID or Passcode?

If you have forgotten your Access ID, please call 270-796-8444 and ask for mobile banking support. If you know your Access ID, but have forgotten your Passcode, you can go to ambanking.com and click on “Forgot Your Passcode?” in the Online Banking Login box

How many incorrect login attempts does it take to lock me out of the mobile banking app?

You will be locked out of your account after three (3) incorrect login attempts.

How do I unlock my account?

If you have been locked out of your account, please call 270-796-8444 and ask for mobile banking support. Business hours for mobile banking support are Monday-Friday, 8am-5pm. If you have forgotten your Passcode, you can go to ambanking.com and click on “Forgot Your Passcode?” in the Online Banking Login box.

Mobile Banking App

What functions are available once I am registered and able to log on to the app?
With the American Bank & Trust mobile app, you can view balances and account history, transfer funds, pay bills, deposit checks.
Can I make loan payments using my mobile app?
Yes, you can transfer funds from your checking or savings account to make a payment on your American Bank & Trust loan. You can also transfer to or from an AB&T line of credit.
Can I pay my bills using my mobile app?

Yes! Mobile bill pay is fully integrated with online banking bill pay. If you are a current AB&T bill pay customer, you will see your payees when you tap “Bill Pay” within the mobile app. If you are not set up for bill pay, you will receive a message that says “You are not authorized to use this service.” To request bill pay privileges, log in to your online banking account at ambanking.com. Go to “User Services” and click on “Add/View Account Services.” Choose the account(s) to which you wish to add bill pay privileges and click on “Edit” in the “Actions” drop-down menu. Click on “Basic with Bill Pay” and submit. New payees must be added in online banking before you will be able to pay bills with your mobile app.

How do I edit a payee?
After logging into online banking, click “Payments” on the left side of the screen. Next click “Payees” and select the payee you’d like to edit from the list. Click “Edit” and make changes to the payee information. You’ll have to enter your password for security purposes. Finally, click “submit” at the bottom of the screen.
When will my transfer occur?
Your transfer will occur on the same business day (Monday – Friday) that you have designated as the transfer date. Pending transactions will be immediately reflected in your balance and available for your use.

Mobile Check Deposit

What is Mobile Check Deposit?
Mobile Check Deposit enables you to use your smartphone’s camera and your mobile banking app to submit an image of your check for deposit into your AB&T checking or savings account.
How does Mobile Check Deposit work?
Log in to the mobile app and tap “Deposit.” Select the deposit account. Enter the amount of the check and then use your smartphone’s camera to take a photo of the front and back of the check.
How do I get the best image of my check using Mobile Check Deposit?

To get the best image, lay your check flat on a solid, dark surface in a well-lit area. Hold your phone directly above the check (not at an angle). When photographing the check, use the four corner guidelines on your screen to line up the check, while staying within the grid.

Do I need to sign the back of my check?

Checks must be endorsed with your signature and “for mobile deposit only.” Checks that are not endorsed properly will be rejected. In most cases, the deposit may be resubmitted with proper endorsement.

What is the cut-off time for Mobile Check Deposits?

The business day cut-off time for mobile check deposit is 4pm CT. Items submitted after 4pm will be considered received on the next business day. For determining the availability of your deposits, every day is a business day, except for Saturdays, Sundays and Federal holidays.

When will my funds be available?

Our general policy is to make funds available to you on the first business day after the day we receive your deposit. Business day cut-off time for mobile check deposits is 4pm CT. Items submitted after this time will be considered received on the following business day. For determining the availability of your deposits, every day is a business day, except for Saturdays, Sundays and Federal holidays.

What kind of checks can I deposit?
Accepted items include personal, payroll, and government-issued checks made payable to the owner of the account into which they are being deposited. Non-negotiable items and checks made payable to a business will not be allowed, unless the check is deposited into a business account owned by a sole proprietor. Please note, we do not accept third party checks via mobile check deposit.
What should I do with my check after I’ve deposited it?

Keep your check in a secure location for at least 10 days. After waiting 10 days and verifying that the check has posted to your account, please securely destroy the check.

Are there limits for Mobile Check Deposit?
Yes, individuals may deposit up to $3,000 per day. If you find that your deposit limit is restricting you from using the product, please contact mobile banking support at 270-796-8444 to discuss what other options may be available. For business accounts, up to 10 items per day may be deposited using mobile check deposit.
Is there a limit to the number of items I can deposit?
No. You can deposit an unlimited number of items, as long as you have not exceeded the daily dollar limit. Individuals may deposit up to $3,000 per day and businesses may deposit up to 10 items per day using mobile check deposit.
Why can I not make a deposit into my account?
If your daily limit has been exceeded, you may not be able to make your deposit until the next business day. For further questions, please contact mobile banking support at 270-796-8444.

Mobile Web Browser

How do I access the mobile web browser?
To access the mobile web browser, visit the following URL on your mobile device: https://my.ambanking.com/login
What functions are available once I am registered and able to log in to the mobile web browser?
The mobile web browser offers the same functions as the mobile banking app, with exception of Mobile Check Deposit. You will be able to view account balances and transaction history, transfer funds, and pay bills.
Can I pay my bills using the mobile web browser?
Yes! Mobile bill pay is fully integrated with online banking bill pay. If you are a current AB&T bill pay customer, you will see your payees when you tap “Pay a Bill” within the mobile web browser.
How do I sign-out of the mobile browser?
Tap the 3 lines at the top left of the screen. A side-bar will appear, tap your name and then “sign out.”