To make a deposit, log in to your mobile app, select “Deposit” from the bottom rail and follow the on screen prompts.

Make sure you have endorsed the back of the check with your signature and “For mobile deposit only at AJNB”.     ***Checks without this endorsement will not be accepted.***

 

Tips for using Mobile Check Deposit

• Before logging into the Mobile Deposit app, close all other apps running in the background on your mobile phone.
• When prompted for the amount, carefully enter the check amount to ensure it matches the amount written on your check.
• Flatten folded or crumpled checks before taking your photos.
• Keep the check within the view finder on the camera screen when capturing your photos.
  • Try not to get too much of the areas surrounding the check.
• Take the photos of your check in a well-lit area.
• Place the check on solid dark background before taking the photo of it.
• Keep your phone flat and steady above the check when taking your photos.
• Hold the camera as square to the check as possible to reduce corner to corner skew.
• Make sure the entire check image is visible and in focus before submitting your deposit.
• Make sure there are no shadows across the check
• All four corners should be visible
• Check should not be blurry
• Make sure the MICR line (numbers on the bottom of your check) is readable.

 

Frequently Asked Questions

Frequently Asked Questions during Registration

How does Popmoney work?

Sending Money

To send money, log in to your online banking account and look for Popmoney.

Send money to anyone using their email address or phone number.

You will be notified when the transaction is completed.

Receiving Money

When someone sends money to you, you will receive an email or text message, depending on which delivery method the sender chose.

If you have enabled your account to receive automatic deposits via Popmoney, no action is required by the recipient. To enable automatic deposits via Popmoney, log in to your online banking account, select Bill pay, then Popmoney, and finally “Preferences”.

Money sent directly to an account will be automatically deposited. No action is required by the recipient.

What can I use Popmoney for?

Popmoney is easy and convenient for you and the people you send money to. They can simply receive the money into their bank account online.

The following are just a few of the convenient ways that you can use Popmoney:

• Send money to your child at college
• Send a gift to family and friends
• Reimburse friends for that fun outing
• Pay your babysitter or your lawn care service
• Pay rent to your landlord or roommates

Will my account information be shared with the recipient?

No, your account information will not be shared with the recipient. The recipient will only see your first name, last name, and the message you wrote for the payment. When you send a payment to an email address, the recipient will also see your email address. Similarly, you will not be able to see the recipient’s account information.

Do I need to verify my email address and phone number?

Verification of your email address and phone number may be required for security reasons. Entering the correct verification codes ensures that you have access to your email and phone. You may also be asked to verify your mobile phone in the future to send and receive payments.

 

Frequently Asked Questions when Sending Money

What are the different ways I can send money to someone?

You can send money to someone using their email address, mobile number or account information:

Email address: your contact will receive an email with instructions on how to direct the payment into his or her account.

Mobile number: a text message will be sent to the recipient on your behalf with instructions on how to direct the payment into his or her account. You may want to tell your contact that standard message and data rates may apply.

Account information (routing and account number): the money will be deposited directly into your contact’s account. You will also have the option to send an email to your contact.

When will the recipient receive the funds?

This depends on the delivery option selected by the sender. If the sender has selected 3-Day or Standard delivery then the recipient will receive the funds 3 business days after accepting the payment. If the sender has selected Next Day or Express delivery then the recipient will receive the funds 1 business days after accepting the payment.

If the sender does not have an option to select a delivery speed, funds will normally be available to the recipient on the next business day if you are sending money to someone who has used Popmoney and has selected the Automatic Deposit option. Funds will also be available on the next business day if you have provided your contact’s account information.

In some cases, like when you have exceeded payment limits, the funds will be available in three business days.

When will funds be deducted from my account?

If you make a payment before 9:00 p.m. Central time on a business day, the funds will be debited from your account on the same day. You should see the transaction on your financial institution statement the following day.

If you make a payment after 9:00 p.m. Central time or on a non-business day, the funds will be debited from your account on the next business day.

Why do I have limits on my payments?

For your protection, limits have been created on how much money and how many payments can be sent during various time periods. You can click the help icon next to the Amounts field to view your available limits.

Can I send money internationally?

No, currently you can only use Popmoney to send money within the United States. If you send a payment to your contact’s email or mobile, your contact will be required to provide a US bank account to receive the funds. Otherwise, the payment cannot be processed and the funds will be returned to your bank account.

Why am I asked to enter a message to the contact?

A personal message helps to give your contact confidence that they are receiving a payment from someone they know. It is also your opportunity to communicate the purpose of the payment.

What are the fees associated with the service?

Depending on the amountm there is a $1 or $2 fee to send money via Popmoney. There is no charge to receive money via Popmoney.

Can I cancel a payment?

Yes, you may cancel a payment any time before or on the send date. Your contact will be notified if you cancel a payment after a payment notification has been sent.

How do I add a contact?

There are two ways to add a contact:

Click on the Contacts tab and click on the Add Contact button. Enter the required fields and click Save.

Click on the Add New Contact link in the drop-down list that appears when you click on the To field. Enter the required fields on the popup window and click Save.

Can I create a payment with a future date?

Yes, Popmoney allows you to schedule one time or recurring future payments. See sections “Scheduled Payments” below.

 

Frequently Asked Questions when Requesting Money

What are the different ways I can request money from someone?

You can request money to someone using his/her:

Email address: your contact will receive an email with instructions.

Mobile number: a text message will be sent to the recipient on your behalf with instructions

When will I receive the funds?

3 business days after the recipient of the request makes a payment. The money will be deposited to the account you selected when sending the request.

Why do I have limits on my requests?

For your protection, limits have been created on how many requests and value of requests can be sent during various time periods. Please click the Icon next to the Amounts field to view your available limits.

Can I request money from multiple contacts at a time?

Yes. You can request money from multiple contacts by entering their phone numbers or        email address in the “From” field. You can also request or specify different amounts from different people in the same request.

Do I pay a fee if my request is not paid?

No. Fee will be deducted only if you receive a payment. No fee will be charged if the request is not paid.

Why am I asked to enter a message to the contact?

A personal message gives the contact the confidence that he/she is receiving the request from someone they know. It is also an opportunity for you to communicate the purpose of the request to the contact.

Can I cancel a request?

Yes, you may cancel a request as long as your contact has not initiated the payment. You will not see the button to “cancel” after your contact has paid the request.

 

Frequently Asked Questions for Incoming Payments & Alerts

Why don’t I see a payment that I’m expecting?

If you are expecting a payment and you do not see it in your Incoming Payments, this is most likely because you have not added the email address or mobile number to which the payment was sent. Have you added this email address or mobile number? If not, go to Preferences to add and verify it. Once you are done, you will be able to see the payment immediately.

When will the funds be available in my account after I deposit the payment?

Click Activity to view the estimated date when the funds will be available. All payments are available within 3 business days, though some may be available sooner depending on delivery speed and the date that the payment was sent.

Why am I asked to verify my mobile number to deposit a payment sent to my email address?

As a security precaution, the sender provided your mobile number when they scheduled the payment. You need to verify access to this mobile number in order to confirm your identity and receive the funds.

If the sender has provided the wrong mobile number, or I cannot receive text message at this phone, what should I do?

Please call the sender to edit the mobile number. The sender can edit the mobile number by clicking Activity and editing the transaction.

Do not attempt to deposit this payment! The funds will be returned to the sender if you are unable to verify access to the mobile number.

What is Automatic Deposit?

Automatic Deposit is the easiest and fastest way to receive money. It allows you to designate one account into which payments from all participating financial institutions will be automatically deposited. After selecting this option, there is nothing more for you to do. You will be notified of incoming payments by email or text message, and all payments will be sent into your selected account. You can edit automatic deposit settings in Preferences.

Why didn’t Automatic Deposit work for an incoming payment?

There are two reasons why automatic deposit may not work for incoming payments:

First, the payment might not have been sent to an email address or mobile number in your profile. You can click Preferences to add and verify additional email addresses or mobile numbers.

Second, as an extra security precaution, the sender is sometimes required to provide your mobile number when they schedule a payment. You need to verify access to this mobile number in order to receive the payment.

What happens when a payment someone sent me expires?

You have ten days from the send date to deposit a payment. When a payment expires, the funds are returned to the sender. After a payment expires, you will have to contact your sender to request another payment if you still wish to receive the funds.

 

Frequently Asked Questions for Received Requests & Invoices

Where can I find Received Requests and Invoices?

All unpaid money requests and invoices are listed in your To Do List in the Overview tab.

Is there a fee for paying a request or invoice?

There is no fee for paying a request or invoice.

What do I do if I do not want to pay the request?

You have the option to reject the request. Click on the details of the received request and select the reject option. You have the option to send a message to the requester when you reject the request. Note that if you do not take any action, the request will eventually expire (typically in 30 days).

I am no longer able to see a request I received. Where can I find it?

All requests expire within a specified time (typically 30 days) and will disappear from your list. If you did not pay earlier and would like to pay, the requestor will have to send a new request.

I have already paid the invoice via check. What do I do?

If an invoice is paid outside of the payment service (e.g., via paper check or bill pay), you can manually mark the invoice as paid. This will move the invoice from ‘unpaid’ to ‘paid’ which will be reflected in the Activity section within Popmoney.

I received a Popmoney notification requesting money to my email or mobile. However, I do not see the request in my To Do List. What do I do?

If you do not see a Request or Invoice that you are expecting, this is most likely because you have not added the email address or mobile number to which the request was sent. Have you added this email address or mobile number? If not, go to Preferences to add and verify it. Once you are done, you will be able to see the request immediately.

 

Frequently Asked Questions for Activity

What are the different payment statuses?

Below is a list of all the possible payment statuses and their definitions:

On Hold: The payment was placed on hold because the sender failed verification when attempting to schedule the payment. Please call 855-840-5708 to remove the hold.

Pending:

If this is a payment you sent, the recipient was notified of this payment. The funds will be withdrawn from your account the next day.

If this is a payment you received, the payment is being processed and the funds will be deposited into your account within three business days.

In Progress:

If this is a payment you sent, the recipient was notified of this payment and the payment is being processed.

If this is a payment you received, the funds are being processed and will be deposited into your account within three business days.

Failed: A payment may fail due to one of the following reasons:

• The recipient is unable to validate access to the mobile phone as provided by the sender.
• The funds could not be deposited into the account provided by the recipient.
• There are insufficient funds in the account to cover the amount of the payment.

Stopped: The sender stopped the payment after the send date. The funds are returned to the sender’s account.

Expired: The recipient has ten days from the send date to provide instructions on how to deposit the payment. After the payment expires, the funds are returned to the senders account.

Completed: The payment has successfully been deposited into the recipient’s account.

Why did my transaction fail?

A payment may fail due to one of the following reasons:

• The recipient is unable to validate access to the mobile phone as provided by the sender.
• The funds could not be deposited into the account provided by the recipient.
• There are insufficient funds in the account to cover the amount of the payment.

Can I stop a payment after the send date?

You can stop a payment anytime after the send date if the payment has not been deposited into the recipient’s account. To stop a payment, go to Activity and click the Stop Payment button. You will not see the Stop Payment button if the option is no longer available.

Where do I view and edit future–dated payments and recurring payment plans?

To view or edit future-dated payments and recurring payment plans, click on the Scheduled Payments tab.

 

Frequently Asked Questions for Scheduled Payments

What are the different scheduled payment statuses?

Below is a list of all the possible scheduled payment or payment plan statuses and their definitions:

Active: The payment plan has been scheduled. It will be processed per your instructions when the send date arrives.

Cancelled: The payment or payment plan was cancelled by the sender.

On Hold: The payment or payment plan was placed on hold because the sender failed verification when attempting to schedule it. Please call 855-840-5708 to remove the hold.

Pending: The payment has been scheduled. It will be processed according to your instructions when the send date arrives.

Can I edit or cancel a future–dated payment?

Yes, you can edit or cancel a future-dated payment anytime before the send date. You can only edit certain fields, which include Send Date, Amount, Subject Line, Personal Message, and My Notes.

You can also stop a payment anytime after the send date if the payment has not been deposited into the recipient’s account. To stop a payment, go to Activity and click the Stop Payment button. You will not see the Stop Payment button if the option is no longer available.

Can I edit or cancel a recurring payment plan?

Yes, you can edit or cancel the next payment anytime before the send date or the entire recurring payment plan at anytime. For the next payment, you can edit the Send Date, Amount, Subject Line, and Personal Message, without affecting the rest of the plan. For the entire recurring payment plan, you can edit the same fields as well as the Frequency and Duration.

At Anna Jonesboro National Bank, we understand that shopping around for a reliable merchant services provider can be a time-consuming hassle. Therefore, we offer a flexible and reliable merchant services program that allows most types of businesses to accept nearly every form of electronic payment. We provide payment processing for small businesses, retailers, restaurants, hospitality providers, professional and medical industries, and internet businesses. Our merchant services program will help you increase your sales, reduce your losses, expand your customer base, increase your cash flow and provide a wide range of value-added and reduced cost products and services. We provide settlement services for all major credit and debit cards: Visa®, MasterCard®, Discover©, and American Express® Opt Blue.  Call us today to learn more.

Mobile Banking Enrollment

 

To enroll in mobile banking, log into online banking and complete the following:

1. On the Options page, in the “Mobile Banking” section, click “Edit“.
2. Enter an email address or your mobile telephone number, including the area code, as the “E-Mail Address/Mobile Phone Number“.
3. Select your mobile telephone service provider’s name as the “Carrier“.
   Note: Select “No Carrier” from the “Carrier” drop-down menu to have one-time passwords sent to an email address rather than a mobile phone number.
4. Enter a personal identification number (PIN) to be used when logging in to mobile banking from your mobile telephone as the “Mobile Banking PIN“.
5. Confirm your mobile banking personal identification number (PIN) in “Confirm Mobile Banking PIN“.
6. Click the “Submit” button to complete mobile banking enrollment.

Account Inquiry

The Account Balance Inquiry displays up-to-date information including: Current Balance, Activity Information and Interest Information. Balances are displayed according to the type of account. Click a topic link to view additional information.

Account List

All accounts associated with your user code and password will be categorized in the account list. The account list includes:

Account Number
Type of Account (Checking, Overdraft Protection, Savings, Certificate of Deposit and Loans)
Current Balance
Today’s Transactions (Optional)
Future Scheduled Transactions (Optional)
Future Scheduled Payments (Optional)
Account Description (Optional)
Available Balance (Optional)
Available Credits (Optional)
Current Principal (Optional)

Click an account number to view account details for that account.

Checking Account Inquiry

For Checking Account Inquiries, click the “List of Accounts” button to select your checking account number from the List of Accounts.

The Checking Account inquiry is separated into three sections: Activity Information, Interest Information and Balance Information.

Activity Information includes:

Balance and Date Last Statement
Last Deposit Date and Amount
Last Check Date and Amount

Interest Information includes:

Current Accrued Interest
Interest Paid (Current Year)
Interest Paid (Previous Year)

Balance Information includes:

Available Balance (Optional)
Current Balance (Optional)

Loan Account Inquiry

For Loan Account Inquiries, click the “List of Accounts” button to select your Loan account from the List of Accounts. The Loan Account inquiry is separated into five sections: Payment Information, Interest Information, Balance Information, Escrow Information and Other Date Information.

Payment Information includes:

Current Amount Due and the Payment Date
Amount Past Due
The Last Payment Date and Amount
A summary message displaying which account the payment will be deducted from is controlled by the institution and may or may not be displayed each time when logging in.

Interest Information includes:

Interest Paid (Current Year)
Interest Paid (Previous Year)
One Day’s Interest

Balance Information includes:

Principal Balance (the total principal balance of the loan)
Interest Balance (the total Interest balance of the loan)
Late Charge Balance
Estimated Net Payoff (the estimated total amount due to payoff the loan)

Escrow Information includes:

Last Disbursement Date and Amount
Taxes Paid (Current Year)
Taxes Paid (Previous Year)
Insurance Paid (Current Year)
Insurance Paid (Previous Year)

Other Date Information includes:

Original Loan Date (the date the note was originated)
Maturity Date

Savings Account Inquiry

For Savings Account Inquiries, click the “List of Accounts” button to select your Savings account from the List of Accounts. The Savings Account inquiry is separated into four sections: Activity Information, Interest Information, Balance Information and Maturity Information.

Activity Information includes:

Balance Last Statement and Amount
Last Deposit Date and Amount
Last Withdrawal Date and Amount

Interest Information includes:

Current Rate (The current interest percentage rate on the account)
Current Accrued Interest
Interest Paid (Current Year)
Interest Paid (Previous Year)

Balance Information includes:

Current Balance
Available Balance (Optional)

Maturity Information includes:

Maturity Date
Term

Options

The Options page allows customers to edit their personal and security information on one convenient page. From this page, changes to web site themes, password, account nicknames, email address, security question, change account address, mobile banking enrollment, eStatement enrollment, primary account, and security data can be completed. The Options page allows customers to view and modify the following nine sections:

Change Password
Change Email Address
Change Security Data (MFA)
Change Security Question
Change Address
Mobile Banking Enrollment
Web Site Themes
Change Account Nicknames
Primary Account
eStatement Enrollment

Change Password

To change the password associated with your Access ID, complete the following:

1.    On the Options page, in the “Password” section, click “Edit”.
2.    Enter the “Current Password”.
3.    Enter the “New Password”.
4.    Enter the new password in “Confirm New Password”.
5.    Click the “Submit” button.

An optional notification email may be sent to a customer confirming that the password has been changed.

Change Email Address

To change the email address associated with your Access ID, complete the following:

1.    On the Options page, in the email section, click “Edit”.
2.    In “New Email Address”, enter the new email address.
3.    In “Confirm Email Address”, re-enter the new email address.
4.    Click the “Submit” button.

Change Security Question

To change your security question, complete the following:

1.    On the Options page, in the “Security Question and Answer” section, click “Edit”.
2.    Enter the question you would prefer to be asked as the “Question”.
3.    Enter the correct response as the “Answer”.
4.    Click the “Submit” button.

Change Address

To change the address associated with a specific account, complete the following:

1.    On the Options page, in the “Addresses” section, click “Edit” .
2.    Select the Accounts checkbox associated with the account for which the address is to be updated.
3.    Enter the updated information in the “Address:”, “City:”, “State:”, and “Zip:” fields.
4.    Click the “Submit” button.

Mobile Banking Enrollment

If “Mobile Banking Enrollment” is displayed, your institution supports mobile banking.

To enroll in mobile banking, complete the following:

1.    On the Options page, in the “Mobile Banking” section, click “Edit”.
2.    Enter an email address or your mobile telephone number, including the area code, as the “E-Mail Address/Mobile Phone Number”.
3.    Select your mobile telephone service provider’s name as the “Carrier”.

Note: Select “No Carrier” from the “Carrier” drop-down menu to have one-time passwords sent to an email address rather than a mobile phone number.
4.    Enter a personal identification number (PIN) to be used when logging in to mobile banking from your mobile telephone as the “Mobile Banking PIN”.
5.    Confirm your mobile banking personal identification number (PIN) in “Confirm Mobile Banking PIN”.
6.    Click the “Submit” button to complete mobile banking enrollment.

Change Account Nicknames
To change account nicknames, complete the following:

1.    On the Options page, in the “Account Nicknames” section, click “Edit”.
2.    Select the check box associated with the nickname to be changed.
3.    Make the appropriate changes to the nickname in the text box.
4.    Click the “Submit” button.

Primary Account

To change your primary account, complete the following:

1.    On the Options page, select “Primary Account”.
2.    Select an account to display as the primary account.
3.    Click the “Submit” button.

eStatement Enrollment

If “eStatement Enrollment” is displayed, your institution supports electronic statement delivery.

To enroll in eStatement Enrollment, complete the following.

1.    On the Options page, in the “eStatement Enrollment” section, click “Edit”.
2.    Select the account you would like to enroll and the type of statement you would like to receive.
3.    Verify or change the email address to which the electronic statement is sent.
4.    Select the check box associated with the terms and conditions statement to accept the terms and conditions of the Electronic Statement policy.
5.    Click the Confirmation Code hyperlink (if applicable).
6.    Enter the Confirmation Code listed in the PDF file that displays when the Confirmation Code hyperlink is clicked (if applicable).
7.    Click the “Accept” button to complete eStatement Enrollment.

What We Offer

• A variety of loans for personal use
• Competitive, variable & fixed rates
• Flexible Repayment terms
• No early payoff penalty
• All credit decisions made in house

What We Offer

• Competitive interest rates
• Flexible repayment terms
• Low monthly payments
• No early-payoff penalties
• Both new and used vehicle loans
• All credit decisions made in house
• Motorcycle financing also available

What We Offer

• Competitive, variable & fixed rates available
• Flexible repayment terms
• No early payoff penalty
• All credit decisions made in house

What We Offer

• Competitive interest rates
• Flexible repayment terms
• Low monthly payments
• No early-payoff penalties

Business Checking Account

Terms

• $25.00 minimum opening balance required
• If the average balance falls below $300.00, a $5.00 fee will apply

Benefits

• Unlimited checks written per statement cycle
• Debit Card or ATM card available upon approval for Sole Proprietors