Bill Payment & Internet
Online bill payment is provided to you for your convenience. The
actual payment of such bills is handled by an independent third party,
CheckFree Services Corporation. Therefore, American Bank cannot and will
not guarantee or be held responsible for the completion and accuracy of
such transactions. Please contact us with any questions you may have
regarding the above-identified information:
Bill Pay: (800) 877-8021
Internet Banking or Security: (651) 628-5909 or (877) 382-2265
Internet Banking System brings together a combination of
industry-approved security technologies to protect data for the bank and
for you, our customer. It features password-controlled system entry, a
GoDaddy issued Extended Validation Certificate for the bank's server,
Transport Layer Security
(TLS) protocol for data encryption, and a router loaded with a firewall
to regulate the inflow and outflow of server traffic.
Secure Access and Verifying User Authenticity
To begin a session with the bank's server the user must key in a Log-in
ID and a password. Our system, the Internet Banking System, uses a "3
strikes and you're out" lockout mechanism to deter users from repeated
login attempts. After three unsuccessful login attempts, the system
locks the user out, requiring either a designated wait period or a phone
call to the bank to verify the password before re-entry into the system.
Secure Data Transfer
Transport Layer Security (TLS) protects the information that the
user provides American Bank when using the Internet Banking System.
Once the server session is established, data traveling between the
user's computer and the
server is encrypted with TLS. With
only be decrypted with a public and private key pair. The
bank's server issues a public key to the end user's browser and
a temporary private key. These two keys are the only combination
possible for that session. When the session is complete, the keys expire
and the whole process starts over when a new user makes a server session. Using TLS technology helps protect the confidentially of customer
information when banking online with American Bank.
Router and Firewall
Requests must filter through a router and firewall before they are
permitted to reach the server. A router, a piece of hardware, works in
conjunction with the firewall, a piece of software, to block and direct
traffic coming to the server. The configuration begins by disallowing
ALL traffic and then opens holes only when necessary to process
acceptable data requests, such as retrieving web pages or sending
customer requests to the bank.
Visitors to this bank website remain anonymous. We do not collect
identifying information about visitors to our site. We may use standard
software to collect non-identifying information about our visitors, such
Date and time our site was accessed;
IP address (A numeric address given to servers connected to the
Web browser used;
City, state, and country.
you complete your online enrollment into our Personal Internet Banking
System we will request information, such as your e-mail address. This
information is used internally and allows us to process your request. It
is not disseminated nor sold to other organizations. Refer to our
Privacy statement for more information.
Some areas of our Website may use a "cookie" temporarily stored in the
visitor's computer to allow the web server to log the pages
you use within the site and to know if you have visited the site before.