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Top 10 Reasons to Use Your Debit Card

Get to know the benefits of our debit card

A lot of us carry some cash and maybe a card or two without knowing what to use when. We spell out some benefits of using your American National debit card below.

1. It’s a secure form of payment

The magnetic stripes on older cards store unchanging data. In that case, if someone gains access to that data, they have all the necessary information to make purchases, making these cards prime targets for fraudsters. Unlike magnetic-stripe cards, every time an EMV card is used for payment, the card chip creates a unique transaction code that cannot be used again.

2. We watch for questionable activity.

We constantly scan cards for suspicious activity and will notify you about questionable transactions.

3. It comes with Card Management.

Want to control when, where, and how your card is used? Or even turn it off and on. Manage your debit card from your smartphone! Our Card Management feature can be found within our online banking and mobile app.

4. It comes with 24/7 Fraud Customer Service.

If your card is lost or stolen, you can report it 24/7. Just call 1-800.240.8190 and select Option 3 to reach our fraud services.

5. Our cards are issued instantly.

If you need a replacement card, you can get it THE SAME DAY. Just visit an American National branch and we’ll issue you a new debit card while you wait.

6. It works with mobile payments.

Apple Pay, Google Pay, and Samsung Pay – our card works for tokenized mobile payments. Learn more here.

7. It’s a helpful savings tool.

When you enroll in our Round-Up Savings program, you can save money each time you use your debit card. We transfer the difference between your purchase amount and the next whole dollar amount to your savings account so you save money without even thinking about it. It really adds up over time. Read more about Round-Up Savings here.

8. Look. Tap. Go!

A simple and secure tap is all it takes to pay for things you need. Our contactless debit card makes payments more secure, convenient, and touch-free.
1.  Look for the contactless symbol on the payment terminal
2.  Tap your card within a couple inches to the front of the terminal
3.  Once your payment is confirmed, you’re good to go!

9. Visa Perks

Explore the benefits of Visa® Offers + Perks(Opens in a new Window)(Opens in a new Window) to access offers and deals, including food and beverages, shopping, entertainment, and more!

10. Visa’s Zero Liability 

This policy protects you from unauthorized charges if your card is lost or stolen.* You’re 100% protected—whether the purchases occurred online or in person.**
**Visa’s Zero Liability policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use and for additional details.