Saturday, February 3, 2018

Currency & Interest Rate

Risk Management
Protect the value of capital against the eroding effects of rising interest rates and volatile foreign currency rates.

Foreign Exchange

Count on powerful, real-time FX tools and the expertise of our experienced FX Specialists to assess and manage exchange rate risks while doing business beyond domestic borders.

Interest Rate Risk Management

Tap our expertise in designing customized solutions to mitigate the risk of capital erosion and increased debt servicing costs from changing interest rates.

International
Take greater advantage of opportunities in overseas markets by leveraging a comprehensive suite of international cash management, global trade and foreign exchange solutions.

Bank Accounts for International Business
Improve efficiency and convenience, whether you need accounts in the U.S. for foreign currencies, or accounts located in countries where you do business.

Global Trade Services
Count on global trade expertise and a suite of sophisticated solutions to increase the speed and efficiency of cross-border commerce.

Foreign Corporate Solutions
Benefit from our comprehensive capabilities and customized banking designed for U.S. subsidiaries of foreign companies.

Import & Export Services

Maximize global import and export opportunities with a flexible array of international financing and risk protection products and services.

Foreign Currency Lending
Use foreign currency loans to hedge against currency risk or provide working capital for your foreign subsidiaries.

International Cash Management

Remove common trade barriers and expedite cross-border cash flows with the aid of powerful international payment options.

Foreign Exchange

Mitigate the risk of exchange rate volatility on foreign transactions by tapping real-time FX solutions and expert advice.

Student Loans for College

With the most options of any lender, we’ll help you find the best way to pay for college.

Ready to apply?
Ask a Citizen about our student loan options for college and grad school.

Whether you’re a student looking ahead to college or a parent preparing to make it happen, we’re here to help. After all, with Citizens Bank, it’s about more than a great rate on college loans. It’s about having a team of Education Finance Specialists on your side with the right types of student loans to put school in reach.

Citizens Bank Student Loan™

Put great rates and flexible terms to work for you.

Fixed or variable interest rates with variable rates as low as 2.73% APR1 for eligible applicants
Lower your interest rate by up to 0.50 percentage points with available discounts2
Flexible repayment options (see examples)
No application, origination or disbursement fees
NEW Multi Year Borrowing Option
Qualified borrowers have access to a simplified, streamlined process to request funds in subsequent years. Terms and Conditions apply.3 Applicants who qualify will be presented with the Multi Year Borrowing Option in the application to lock in their student loan terms.
Decipher Your Financial Aid Award Letter

Citizens Bank Student Loan™ for Parents

Get an average fee savings of $637* with a better alternative to the Federal Direct PLUS loan.

10-year fixed interest rate as low as 6.29% APR for approved borrowers (includes automatic payment and loyalty discounts). Lower rate is available with a 5 year repayment term4 (repayment examples)
No application, origination, or disbursement fees
Interest-only or immediate repayment options on Student Loans for Parents
For parents or any qualified borrower
Compare to the Federal Direct Parent PLUS Loan >

Apply Now >
Save up to .50 percentage points off your interest rate2
What Can Student Loan Money be Used for?
Information for Co-Signers
Money Saving Tips for Students
Understand Student Loan Interest Rates
Q. How long will I wait between applying for the student loan and having access to the funds?

A. Your school will set the disbursement date(s) for your loan and make funds available to you upon receipt. Once that happens, we have a quick and easy application process that allows you to complete all required documentation in a few business days.

Service of Southern Bank

Southern Bank offers a variety of services to make your banking experience as easy as possible. Our Online Banking feature makes managing your money more simple than ever before! We also provide investment and brokerage services, which are designed to help you manage your finances in the most efficient way. With the rest of your life busy and hectic, you should know you can count on a bank to not add to your stresses. At Southern Bank, you can count on us to serve your banking needs. Get with Southern; you will quickly discover how easy banking can be. Learn more about our services:





  •     Online Banking
  •     Mobile Banking
  •     BankMiles
  •     Cashiers Checks
  •     Investment & Brokerage Services
  •     ATM/Visa Check Card
  •     Cell Phone Protection
  •     Wire Transfers
  •     Safe Deposit Boxes

Online Banking with Unlimited Bill Pay
Learn More About Online BankingLearn More About Online Bill PayLearn More About e-Statements
Now, Personal Online Banking with unlimited Bill Pay is an even greater value for managing your finances. Enjoy the control and convenience offered by online bill pay for no additional fee. Get started today. Once you start we don’t think you’ll ever go back to writing checks to pay your bills.

Bill Pay Advantages

  •     It’s Easy
  •     It’s Fast
  •     No stamps to buy
  •     No checks to write
  •     You can elect to receive e-bills
You can choose to make a one-time payment, schedule bill payments in advance, or make recurring payments

  •     View/print your bill-pay history
  •     Pay your bills at your convenience
  •     What you need for Free Bill Pay:

A personal checking account and a ATM/Visa Check Card with Southern Bank
Personal Online Banking through any computer with internet access

ask your questions about online banking.

Mobile Banking

With the Southern Bank mobile banking app featuring Mobile Deposit and Picture Pay, you can bank whenever you want and wherever you are. Use your phone’s camera to make deposits. Use it again to pay bills with our “Click-It and Pay-It” Picture Pay service. The app offers a number of time-saving features that allow you to securely access your finances on your phone or tablet devices:




View Balances and Transaction History:View all of your account details in just a few taps. Includes access to images of cleared checks.

Transfer Money:
Move money between your Southern Bank accounts when and where you want to.

Mobile Check Deposits:
Deposit money into your account by snapping a picture. Simply take a photo of the front and back of your checks, and after the check clears, the money is available in your account.

Learn More About Picture Pay
Picture Pay:

There’s no need to write checks when you have picture pay. Snap a photo of your bill, select the account that you would like to use, and our team will take care of the rest.

Bill Pay:
Your payees in online banking are also available in mobile banking, so you can quickly pay your bills, no matter which system you are using.

BankMiles

From travel, shopping and dining to merchandise and more, enroll in BankMiles1 and use your Southern Bank Visa® Credit Card to earn points and redeem them for outstanding rewards.

Earn 1.5 points for every $1 spent on qualifying purchases2
Points do not expire as long as membership is maintained
Pool points with other BankMiles members to earn even faster
Redeem for a wide variety of rewards, including travel, cash back, digital and gift card rewards, merchandise, and unique experiences – Browse Rewards
Earn a round-trip flight anywhere in the continental U.S. for 50,000 points
Use points to get a full statement credit for recent purchases, including airline travel, with Pay Me BackSM

No cap on the number of points you can earn


Commercial Solutions



Citizens Commercial Banking
Choose from a comprehensive selection of financing, treasury and global commerce solutions with the expertise of dedicated relationship managers and specialists to assist you at every step.

Financing
Select from a broad spectrum of customized credit solutions to provide working capital, finance equipment purchases or fund long-term strategic growth.

Treasury Management
Accelerate and simplify business transactions and gain greater control over receivables and payments.

Capital MarketGain access to multi-lender debt and equity financing solutions and expertise to finance your complex M&A and capital restructuring initiatives.

Card and Payment Services
Expedite payments to suppliers and assert greater control over T&E expenses while enjoying a variety of card-based rewards.

Currency & Interest Rate Risk Management
Mitigate the risk of rising interest rates and volatile exchange rates with the assistance of a wide range of swaps, derivatives, and foreign exchange products and services.

International
Work with our global banking specialists to gain access to international financing and currency hedging solutions to expedite your foreign trade objectives.

Ask your question

Investments and Brokerage

In a world of complex, often confusing investment choices, Southern Investment Services has contracted with Infinex Investments, Inc. to provide help. Managing your financial affairs to comfortably meet your future needs may be one of the most challenging tasks of your lifetime. Achieving financial security will ultimately depend on your ability to balance your expectations with your capacity to undertake investment risks.





In short, your future success will depend on your investment knowledge. Most people simply don’t have the time or the expertise. That’s where Infinex can help. Infinex’s experienced Financial Consultants bring their skills together with your investment objectives. They’ll help you develop a plan that matches your risk and reward expectations. With easy access to financial markets, you can utilize programs, asset allocation programs, individual securities such as stocks and bonds, mutual funds and tax advantaged investments to build your portfolio.

If you would like information about FINRA, please visit their website at www.finra.org.

  • Products and Services
  • Accessing Your Brokerage Account
  • Selecting an Investment Advisor





ATM/Visa Check Card


Here’s the card that can really simplify your life. Visa Check Card from Southern Bank. It works like a check and it doubles as your ATM card. And since it’s part of the Visa network, you can use it at any Visa merchant to make purchases.

Whenever you use your Visa Check Card for purchases, the transactions are automatically deducted from your checking account. Your purchases are detailed on your monthly checking account statement.

Since your Visa Check Card is your ATM card too, you can make deposits1, cash withdrawals, transfers, and access account information at all Southern Bank ATMs. You can also access your money at ATMs around the world displaying the NYCE®, PLUS®, or Visa® logos.


Ask your questions

Zero Liability Protection Policy

Citizens Commercial Banking

Use your card worldwide knowing that Citizens Bank won’t hold you responsible for “unauthorized transactions.” As a MasterCard cardholder, zero liability applies to your purchases made in the store, over the telephone, online, or via a mobile device. As a cardholder, you will not be held responsible for unauthorized transactions if:

You have used reasonable care in protecting your card from loss or theft; and
You have promptly reported to your financial institution when you knew that your MasterCard was lost or stolen.
As soon as you alert us, we act

If you spot fraudulent or suspicious activity on your account, report it immediately by calling us at
1-800-684-2222
We’ll deactivate your current card and issue you a new one
Our Internal Claims Group will research all purchases made after the date of the suspicious activity
We’ll return the misused funds to your account once our research is complete and all fraudulent purchases have been verified
We’re committed to your credit card security

We will take every possible action on your behalf to resolve any fraudulent activity quickly, and minimize any inconvenience to you.
For more information on our MasterCard Zero Liability Protection Policy click here for details






Security, Privacy and Fraud Prevention


There is nothing more important than protecting you and your information — whether you’re doing business with us online, by phone or in one of our offices. To learn more about privacy, security, online fraud, and our Terms of Use, please select from the options below.

Protect Yourself

At Citizens Bank, your safety and security are our priorities. There are a number of ways to help guard against unauthorized use of your account and protect your identity. For example, the Contact Information section contains information on when and how the bank will contact you to help you avoid scams.

To report any suspected fraud concerning your Citizens Bank accounts, call us at 1-800-922-9999 or call the phone number found on the back of your credit/debit card or monthly statement.

  • Online and Mobile Banking Security
  • ATM and Card Security
  • Personal and Account Security
  • Unauthorized Transactions for Consumers
  • Contact Information
  • How Citizens Protects You


To prevent fraud and shield your critical financial information, Citizens Bank has enabled a number of powerful security measures to protect you online. For more information, click here.

  • FREE Trusteer Rapport security software
  • Get extra security when you bank and shop online.

Protect Your Business


Threats to your information and your account security are constantly changing. There are a number of ways to help to secure your business information. We also provide you information on when and how the bank would contact you in the Contact Information section.

  • Business Protection Tips
  • How Citizens Protects your Business
  • Contact Information
  • Unauthorized Transactions for Business and Commercial Customers
  • Contact Information
  • Privacy


We encourage you to learn how we handle and protect your customer information. Our employees have a strict responsibility to safeguard all Confidential Information. Confidential Information includes Social Security Numbers as enumerated in our company’s policies and Code of Business Conduct & Ethics. We implement reasonable measures to protect the confidentiality of Social Security numbers, to prohibit unlawful disclosure of Social Security numbers, and to limit access to Social Security numbers.

For specific information on how we protect your customer information please click on the policies below:

  • Customer Privacy Notice
  • Online Privacy Policy
  • Card Services Online Privacy Notice

Security


Safeguarding your customer information is a main concern to us. It is important you understand the steps we have taken to safeguard your customer information.

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Personal Trust and Estate Administration Services of Bank

Personal Trust and Estate Administration Services is a great service for a Bank. Every bank has this service. Through personal trust offerings, which you can establish a designated relationship with ANB that allows the bank to behave as your trustee or agent, preserving title to designated assets and managing them for your benefit (and that of your named beneficiaries). Revocable or irrevocable trusts may also be headquartered for the period of your lifetime or you could create testamentary trusts through the phrases of your will.



Personal Trust and Estate Administration Services of Bank

Below a trust relationship, ANB will aid be certain that your wealth is managed in line with your wants, now and for future generations. We will also help:

    Lessen estate and present taxes
    Protect your privacy
    Hinder the delays and publicity of probate
    Make sure that your property remains professionally managed should you come to be incapacitated

Qualified Terminal Interest Property

Designed to be certain your detailed beneficiaries cannot be modified towards your wishes, while still keeping the unlimited marital deduction

Dynasty trust
Allows you to keep assets in believing for generations to return, and removes publicity to taxes as wealth passes to every generation

Irrevocable lifestyles coverage believe
Supplies flexibility and liquidity for meeting the financial desires of your beneficiaries, decreasing and paying property taxes, and replacing inheritance misplaced to property taxes

Additional Choices

1.    Living trusts
2.    Revocable trusts
3.    Irrevocable trusts
4.    Testamentary trusts
5.    Credit shelter trusts
6.    Marital trusts
7.    Family trusts
8.    Grantor Retained Annuity Trusts (GRATS)
9.    Grantor Retained Uni trusts (GRUTS)
10.    Custody services


Choosing a trustee is an important personal decision. Our Trust Management team can offer professional knowledge and expertise as impartial investment and trust administration advisors. You will know your wealth is being managed according to your wishes, with as much or as little involvement as you like in the day-to-day activities.
With Trust Administration Services, we can help you:

  1. Plan for your future.
  2. Provide for your family.
  3. Distribute your assets according to your expressed wishes.
  4. Minimize potential income and estate taxation.

We also can relieve the burden of complex executorship duties from family members, and provide impartial, experienced assistance to avoid errors and delays in settling your estate.
With Estate Administration Services, we can coordinate the estate settlement process by:

  1. Executing the specific instructions of your will.
  2. Collecting income and dividends – such as those from estate assets.
  3. Maintaining records.
  4. Coordinating payment of your final debts and expenses.
  5. Managing assets through probate, as needed.
  6. Filing of all applicable estate and personal tax returns.

Read more.
Online Banking Business

Online Banking Business (eCorp) with Amarillo’s National Bank

Business Internet Banking, Wherever you are and whatever the time, you can take care of your business banking online for free.

Facilities of Online Banking Business: In online banking, you will get Real-time balances, statements and transactions, Make domestic and international payments of up to £100,000 per day, Cheaper payments than in branch or by phone, Instant transfers between your accounts, Set up multiple users and Choice of ways to apply and activate



Whatever the dimension or scope of your business, retaining track of the economic details can be complicated. Amarillo National is here to support make things less difficult. With our robust online banking platform, eCorp, you reap updated access and immediate control for comfy, simple money administration. Convenience and easy functionality are just a click on away.



You can do with Amarillo’s National Bank eCorp:
Account and transaction inquiries
Money and wire transfers
Stop-payment inquiries and requests
Loan fee and advancing

The best way to get started.
New client
Learn and signal the eCorp Banking contract, client Authorization & worker Authorization (REQUIRED)

For each worker who will entry your corporation debts by way of eCorp, you’re going to ought to complete an Authorization form, specifying individual account entry and transactional capabilities.  (you can also entire as many varieties as needed.) Further types are placed bellow.

Existing Customer
Please Use the next varieties so as to add to your present eCorp Banking Profile.
New Account/employee
Additional Wire/Transfer Templates

Whole and signal all contract and Authorization types, then mail the originals to:
Amarillo National Bank
Attn: Darren Jenks
P.O. Box 1
Amarillo, Texas 79105

Be Sure that to preserve a duplicate for your files. In case you require expedited access, you can fax the varieties too (806) 345-1657; however, you have got to still mail the originals. When your agreement and Authorization varieties are approved, we will be able to contact you by way of an electronic mail or cell call indicating the process is competent for access. Log in the first time utilising the person identification and Password information to your employee Authorization kind. For protection purposes, please alternate your password the primary time you enter the process (and anytime you believe your password could have been compromised.)

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Currency & Interest Rate

Risk Management Protect the value of capital against the eroding effects of rising interest rates and volatile foreign currency rates. Fo...