Did you know that no one may deposit a check and expect it to post immediately to their account? It's true! I asked multiple times today, and I was told that ALL checks are held until midnight following the day posted. To intimidate me, ANB personnel repeatedly told me that they could put a 3-5 day hold on my funds if they wanted. My wife and I deposited a small $3500 check from Freedom Mortgage for a home refinance and walked out, expecting funds to be posted to our account by our bank, supposedly worth $4 billion and backed by the FDIC. As it turns out, our funds did not post to our account, and the teller did not notify us this would happen. What happened is that we used the funds and paid some bills, and when we checked our mobile account, we were overdrawn. I was told multiple times after the fact that ALL checks are held until midnight. I even asked about the millionaires who banked with ANB, and again, ANB personnel repeated that ALL checks are held until midnight. My wife and I are highly educated, and we have worked in Amarillo since 1997. We serve our community because we love our community, but we are a bi-racial couple. I’m white and she is Mexican-American. We’ve been married for 31 years, and we raised our kids, who are bi-racial, in Amarillo. Both of our kids are highly educated, and they also serve the Amarillo community in a professional capacity. Do you really believe that no one can deposit a check and not have it post at ANB, a $4 billion institution backed by the FDIC? I don’t. We aren’t rich, but we are comfortable. ANB stated that they would retrain their tellers to make ANB customers aware that deposited checks won’t post until midnight, which I think is great. HOWEVER, my wife and I were racially profiled. We’re used to it. It just didn’t happen at our bank before until today. More than having tellers inform customers about the MIDNIGHT rule, ANB might check itself on the systemic racism manifested by its business practices and the behavior of its personnel.

Amarillo National Bank
Amarillo National Bank was founded in 1892 shortly after the city of Amarillo was established. Since Amarillo National Bank has no outside stock holders, this allows ANB to focus on the long term, not next quarter. Decisions are made for the customers, not the family. Customer service actually comes first. Community support is a... show more
Amarillo National Bank Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 07/18/2021.
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1 Star Rating
Product: Amarillo National Bank Business Services
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5 Star Rating
Verified CustomerFixed and paid on time there was not a late payment on this following account that's being shown I am also able to draw another loan
Product: Amarillo National Bank Personal Loans
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3 Star Rating
Verified CustomerI’ve banked with Amarillo National since I was old enough to have an account. My parents have banked with them for 50 years. I’m just realizing how incredibly high my interest rate is compared to most on auto loans! I don’t get it! I’ve always been in good standing and my credit is good
Product: Amarillo National Bank Car Loans
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3 Star Rating
Verified CustomerIts fine. Interest a little high. Haven't really had to interact with anyone i pay online. Web payment center is average. Wksh i could see my balance though
Product: Amarillo National Bank Car Loans
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3 Star Rating
Verified CustomerBe careful when you get approved, the amount you get approved for is really not what you can afford, its if you spent everything on that mortgage, so you really need to understand that you need to find something way below that approval unless you wanna be strapped for cash and that interest rate will change by the time you close on the loan may may go up more than likely than down
Product: Amarillo National Bank Mortgages
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5 Star Rating
Verified CustomerVery professional. Easy to work with and friendly service. They made car buying an easy experience! I will definitely use them again for my personal loan needs!
Product: Amarillo National Bank Car Loans
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5 Star Rating
Verified CustomerBeen doing great on here to monitor my credit score would recommend it to others ..and it been wonderful.i have been able to create a plan
Product: Amarillo National Bank Personal Loans
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I have a check from ANB made out to me but can't get it cashed why
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Signed up for overdraft but it doesn't work
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How much are you paying on a money market account?
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