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FAQs

Frequently Asked Questions

  • About All America Bank

    • Who is All America Bank?

      All America Bank® was established in 1969. It has seven locations in Oklahoma City, Mustang, Snyder, Cache, Medicine Park, Elgin and Sentinel, OK, and a Loan Production Office in Lawton, OK. All America Bank® has been operated under the same majority ownership since it was established. How amazing it is for a bank not to have been bought or sold in almost 50 years! We are a stable, well-established entity. Our executives and officers are well-educated and well-respected in the banking industry. We are insured by the FDIC.

    • Why should I bank with you?

      Our products are great! Our Ultimate Rewards® Checking and Mega Money Market® accounts offer high interest rates and low or no fees.* We also offer many great services including Mastercard® Debit Cards, Overdraft Privilege, and Bill Pay. We offer the convenience of banking anywhere you have internet access 24/7. When you call our Customer Service department, you will talk directly to a personal representative to give you quick responses to your questions and concerns — no endless menus to try to negotiate to get an answer. We have state-of-the-art computers and technology to manage and protect your account.

      *Please refer to Terms and Conditions of account type.

    • How are you different from a local bank in my hometown?

      We offer a totally online service to manage your accounts in addition to seven locations with convenient lobby and drive-thru hours and personal service to help you conduct your banking business. You can manage your account(s) from anywhere in the world through the internet. We offer mobile banking so you can bank through your smartphone or tablet. Your money is accessible from virtually any ATM worldwide. We offer free Bill Pay for your convenience along with Overdraft Privilege allowing you to overdraw your account.* You have the convenience of opening checking accounts online without having to wait on signatures, faxes, or the U.S. Mail. It can all be done electronically.

      *Please refer to the Terms and Conditions of each account type.

    • How do I know my money is safe?

      We have state-of-the-art internet security to protect your account. Also, the FDIC has insured us since 1969, and we are regulated by state and federal agencies.

    • Where are you based?

      We are based in Oklahoma City, Oklahoma.

    • Do I need to worry about identity theft?

      You do not need to worry about the information you give the bank. All America Bank® uses state-of-the-art security measures to keep your information safe.

    • Do you disclose any of my information?

      No, we do not sell or release any of your personal information to anyone except as permitted by law. For instance, if you order checks, we will need to give your name and address to the check printing company. Or we may need to release your personal information for legal reasons like tax liens, garnishments, or subpoenas. If you have questions, please refer to our privacy policy or call Customer Service.

  • Opening an Account

    • What do you need from me to open an account online?

      We need your Social Security Number and Driver’s License or State ID Numbers. You will also need to answer a few questions so we can verify your identity.

    • How do I move my checking account to All America Bank?

      It’s easy. Follow the steps and complete the 3 forms below. Submit the forms, and you’re set.

      1. Change Direct Deposit Information

      Print and complete our Direct Deposit Form and submit to your pay provider.

      NOTE: Social Security Direct Deposit information can be included on this form or you may use the form online at http://www.ssa.gov/deposit/howtosign.htm to have your Social Security payments directly deposited to your bank account.

      2. Change Automatic Payment Information

      For automatic payments deducted from your checking account, fill out our Automatic Payments Form. Print and present to each payee. This would include utility and loan payments — any scheduled payment you wish to have automatically paid at designated times. 

      3. Complete Your Financial Transaction

      Close your existing checking account, or leave it open and use our Bank-to-Bank Transfer service to transfer money to and from your existing checking account. This is the final easy step. Complete our Close Old Account Form. Print and submit it to the bank you will no longer be using. 

    • What is the routing number for All America Bank?

      The routing number for All America Bank® is 103001456.

    • How long does it take to open an account with you?

      Most applications are approved or denied during the original application process as long as your identity can be confirmed through a series of questions that only you should know. Your application may be delayed if more information is needed for approval. Once your application is approved and your account is funded, you will be assigned an account number. From this point on, your account is open. The entire process usually takes 1-5 business days depending on how you fund your account. Once you enroll in online banking, you can access many convenient services to manage your account including Bill Pay, Bank-to-Bank Transfers, In-House Transfers, email notifications and electronic statements.

    • How much money do I need to open an account?

      The amount varies depending on the type of account you wish to open.

    • How do I fund my new account?

      The most common ways to fund a new account are to make a cash deposit, write a check, or transfer money from an existing All America Bank account. You can also use a wire transfer* or mail in a check to fund your new account. After the account is funded you will receive an account number and can enroll in online banking to begin using your account.

      *Use the Money Wiring instructions form 

    • Can I earn interest on my money?

      Two of our accounts, Ultimate Rewards® Checking and Mega Money Market®, offer high interest rates. Please refer to the Terms and Conditions of each account type.

    • Is there a monthly maintenance fee associated with active accounts?

      Many of our accounts we offer are FREE. Please refer to the Terms and Conditions of each account type.

  • Using Your Account

    • How do I reorder checks?

      For new checks, to reorder checks or to make changes to your checks, contact Customer Service Monday through Friday, 8am-5pm at 405-376-BANK (2265) or toll free at 888-210-2028.

    • How can I make deposits into my account?

      You can make deposits by direct deposit from your employer or regular source income. You can deliver deposits to the bank lobby or drive-thru window, mail checks or send wire transfers. You can use the All America Bank® mobile app to make deposits. You can also transfer money from another account at another financial institution (bank, savings and loan, credit union, brokerage firm, etc.) using our free Bank-to-Bank Transfer service, or you can transfer money between All America Bank® accounts, all with a click of the mouse.

    • How do I make a mobile deposit?

      • Properly endorse your mobile deposit by simply signing your check as usual, then underneath add "For Mobile Deposit Only at All America Bank."
      • Open the app on your smartphone or tablet. Login to online banking.
      • In the Transactions menu, select "Deposit Check."
      • Select the account where you'd like to deposit the check.
      • Enter the amount of the check.
      • Select "Front of check" to access camera.  Snap a picture of the front of check confirming all 4 corners are aligned within the viewfinder.
      • Select "Back of check" and repeat.
      • Verify the information on the review screen.
      • Click "Submit Deposit."

    • When will deposits show up in my account?

      Direct Deposits, Wire Transfers, and In-House Transfers show up and are available to you the day we receive them. Of course, we have no control over the mail, but deposits that are mailed to us are deposited into your account the day we receive them. It is our policy to make those funds available by the next day after the deposit is made. Our mail arrives at 8:30 am CST each business day. Sometimes a hold is placed on a deposit containing checks until the checks clear.  In this case, the deposit is reflected in your “Current Balance” until the hold is released.  Then the deposit is reflected in your "Available Balance" for your immediate use.

    • Where can I get cash?

      You can get cash from virtually any ATM worldwide!  You can also get cash from any merchant that allows cash-back transactions with your All America Bank® Mastercard® Debit Card.

    • How often is my account updated?

      Your account is updated continually.

    • How do I check my balance?

      You can check your balance anytime by using online banking, mobile banking, text banking or by viewing your balance at an ATM. You can also call Customer Service during business hours.  We are happy to help you in any way we can.

    • How do I know what debits (charges) or credits (deposits) have been posted to my account?

      Log in to online banking or mobile banking to view your account history. You can also use Text Banking to see your most recent transactions.

    • Can I transfer money between accounts?

      Yes. You have more flexibility than ever before. You can transfer money between your All America Bank® accounts using Online Banking, Mobile Banking or Text Banking.  Or you can transfer money between your All America Bank® accounts and your accounts at another financial institution using our Bank-to-Bank Transfer service.

    • What is the difference between “Available Balance” and “Current Balance”?

      “Current Balance” is the account balance at the beginning of the day.  “Available Balance” includes pending transactions.

    • What if I need to order a stop payment on a check?

      Contact Customer Service at (405) 376-BANK (2265) or toll free (888) 210-2028.

    • How do I make an in-store purchase using my smart device?

      You can make purchases using your debit and credit cards wherever Apple Pay®, Google Pay® and Samsung Pay® is accepted.

      To learn more about how to make in-store purchases using your devices, please download the guide to your device below.

    • How do I install, use and trouble-shoot Apple Pay, Google Pay and Samsung Pay?

      You can make purchases using your debit and credit cards wherever Apple Pay®, Google Pay® and Samsung Pay® is accepted.

      To learn more about how to make in-store purchases using your devices, please download the guide to your device below.

  • Overdrafts

    • How do I enroll in Overdraft Privilege?

      You may request this service at any time.  If you "Opt In" when opening a new account, after a 30-day waiting period, the service will be activated if your account meets the bank’s criteria for Overdraft Privilege. If at any time following the 30-day waiting period you choose to "Opt In", simply log into your account online, click the “Services” button and the “Overdraft Enrollment” drop down option in the menu bar, and fill out and submit the online form. Or call Customer Service and tell them you want this service.

    • What if my account is overdrawn?

      We will notify you by mail or email if your account is overdrawn. You can also set alerts using our free text banking service that will text you if your account balance is low.  You can look at your account activity through online banking, mobile banking or text banking to see what debits have cleared. We offer Overdraft Privilege* to all eligible accounts. When you make mistakes or write a check for more money than you have in your account, this discretionary overdraft service may cover the overdraft until you can make a deposit. There is a $25.00 overdraft/return fee per item with a maximum of $200.00 or 8 items per day. There is also a consecutive overdraft fee for each 10 days and each subsequent 10 days your account remains overdrawn.

      *This is a discretionary service. Some restrictions apply. If you have questions, please read:

    • How can I reduce overdraft fees?

      • You can set up free auto-transfers between accounts (when funds are available).
      • You can register for free online banking to access and review your account daily.
      • You can set up low balance alerts from your online account that will be emailed or texted to you when your balance drops below a certain amount.
      • We can send you free transaction registers to keep a better record of your daily transactions and daily balance if you do not already have one.
      • You may limit your ATM, POS, and Check transactions by making one withdrawal up to your Overdraft Privilege limit for one fee of $25.00.

      For more financial education, please visit the Money Smart Financial Education Program from the FDIC.

    • What is Overdraft Privilege?

      We understand that our customers can sometimes reach the limit of their available cash, and we are here to help.  We have added convenient Overdraft Privilege service to eligible personal checking accounts.  When you make mistakes or write a check for more money than you have in your account, we have a discretionary overdraft service that might be helpful (some restrictions apply).

      Overdraft Privilege means:

      1. Fewer charges from retailers for insufficient checks

      2. Additional convenience and flexibility in managing your funds

      3. Less aggravation and embarassment

      You may request this service at any time.  If you "Opt In" when opening a new account, after a 30-day waiting period, the service will be activated if your account meets the bank's criteria for Overdraft Privilege.  If at any time following the 30-day waiting period you choose to "Opt In," simply log into your account online, click on the "Services" button and the "Overdraft Enrollment" drop down option in the menu bar, and fill out and submit the online form.  Overdraft Privilege is another good service and another good reason for banking with All America Bank®.

      Refer to Overdraft Privilege Disclosure for details.

      If you have questions please call Customer Service at (888) 210-2028.

  • Monthly Statements

    • How often will I receive a statement?

      Most accounts receive a statement monthly; some savings accounts receive statements quarterly. You have the choice of either receiving your statement through the U.S. mail, electronically, or both (unless you opened one of the accounts online that requires you receive your statements electronically). Paper statements have a fee of $3.00 per month. If you choose to receive your statement electronically, you will be notified by email when it is available. You may choose to simply view it, print it or to download it into your personal money management software. Available formats for Transaction Exporting are Comma Separated File [.CSV], Microsoft Money [.OFX], Intuit Quicken [.QFX], Intuit QuickBooks [.QBO], and Spreadsheet [.XLS].

    • What is Annual Percentage Yield (APY)?

      Interest Rate is the annual rate of interest paid on an account and does not reflect compounding. Annual Percentage Yield (APY) reflects the total amount of interest paid on an account, based on the interest rate and the frequency of compounding for a 365-day period and calculated according to the rules of the Truth In Savings Act. The APY is normally higher than the Interest Rate because it assumes that all compounded interest credited to an interest bearing account will remain on deposit in that account. The Bank is required to report APY on your monthly statements and to disclose the APY when advertising interest bearing accounts.

    • How is the interest rate reported on my monthly statement calculated?

      The interest rate reported on your monthly statement is the Annual Percentage Yield (APY). Ultimate Rewards Rewards Checking pays the highest APY on the first $10,000 in your account, then a lower (but very competitive) APY on balances over $10,000. Therefore, if you have more than $10,000 in your account, the APY reported will be calculated based on a “blended” rate. The APY on the first $10,000 balance is blended proportionally with the lower APY on the daily balance over $10,000.

    • On the Ultimate Rewards Checking Account, when does the monthly statement close?

      The monthly statement closes on the 20th of every month. If the 20th falls on a Saturday, the cycle will cut off on the 19th (the Friday before) and if the 20th falls on a Sunday, the cycle will cut off on the 21st (the following Monday).

    • What is the phone number for Intuit QuickBooks support?

      1-800-446-8848

  • About Mastercard Debit Cards

    • How long does it take to get my Mastercard Debit Card?

      It takes 5-10 business days after your new account is funded to get your All America Bank® Mastercard® Debit Card. Your PIN (personal identification number) will arrive separately from your Mastercard® Debit Card, but within the same time frame.

    • Is there a fee for using my Mastercard Debit Card?

      There is no fee for using your All America Bank® Mastercard® debit card at ATMs owned by All America Bank.  For withdrawals from other ATMs, we charge $0.75 per cash withdrawal. However, our Ultimate Rewards® Checking Account offers you a refund of the $0.75 charges as well as other ATM surcharges up to $25.00 per statement cycle if you meet the monthly requirements. All Mastercard® debit card transactions are free at merchant locations.

      Fees will be charge for international transactions. Mastercard® charges financial institutions International Service Assessments (ISA) on all international transactions regardless if there is a currency conversion. ISA fees will be reflected on your account statement as international fees. See our Deposit Account Agreement for more information.

    • Is there a limit on my Mastercard Debit Card?

      For your protection, there is a daily limit on your debit card of $600 for cash and $1,500 for purchases.

    • Where can I use my new Mastercard Debit Card?

      Anywhere Mastercard is accepted and at virtually all ATM’s worldwide.

    • When can I use my new Mastercard Debit Card?

      You can use your new Mastercard Debit Card as soon as you receive it if you call to activate it. Otherwise, you can use your new card as soon as you receive your unique PIN (Personal Identification Number). You may go to any ATM to activate your card by checking your balance.

    • What if I want to get the limit on my Mastercard Debit Card increased?

      Call Customer Service at (405) 376-BANK (2265) or toll free at (888) 210-2028.

  • About Customer Service

    • What if I need to order checks?

      If you have a need for paper checks, they are available to you. Please contact Customer Service at (405) 376-BANK (2265) or toll free at (888) 210-2028.

    • What if I need to change my address?

      It’s easy to change your address! After you have logged into Online Banking, you can change your address by clicking on the "Settings" tab and then "Contact Information", entering your information into the online form, and clicking "Submit." 

      If you do not use Online Banking, please go to your local branch location to change your address. Address changes cannot be completed over the phone.

    • What are bank hours?

      Please refer to Locations & Hours for a complete listing of lobby and drive-thru hours for each of our locations. You can check your balance or transfer money into or out of your account(s) online 24/7. If you need to talk to someone about any account questions, you can call Customer Service at (405) 376-BANK (2265) or toll free at (888) 210-2028 Monday through Friday from 8:00 am to 5:00 pm or use our secure Message service after logging in to online banking.  This form of communication is encrypted and secure.  Please, NEVER send to us any email directly from your personal email account. Doing so presents a high security risk that we cannot oversee. Using our Message service assures you of the utmost security.

    • How do I contact you?

      If you wish to contact us electronically, registered online banking customers should log in to our website to use the Message option found on the account page. This is a secure email system between the customer and the bank. Using our Online Message Center assures you of the utmost security. This method is available to you at all times, but is especially convenient when our lobbies and customer service phone lines are not available. Your inquiries will be addressed promptly.

      Please, NEVER send to us any email directly from your personal email account. Doing so presents a high security risk that we cannot oversee. Using our Message Center assures you of the utmost security.

      All America Bank Customer Service is available by phone Monday through Friday, 8am-5pm at (405) 376-BANK (2265) or toll free at (888) 210-2028.

    • When can I talk to someone in Customer Service?

      You can call Customer Service at (405) 376-BANK (2265) or toll free at (888) 210-2028 Monday through Friday from 8:00 am to 5:00 pm. If you wish to contact us electronically, registered online banking customers should log in to our website to use the Message option found on the account page. This is a secure email system between the customer and the bank. Using our Online Message Center assures you of the utmost security. This method is available to you at all times, but is especially convenient when our lobbies and customer service phone lines are not available. Your inquiries will be addressed promptly.

  • Personal Identity Theft

    • How can I protect my identity?

      Your identity is one of the most valuable things you own. It’s important to keep your identity from being stolen by someone who can potentially harm your good name and financial well-being.  

      Call us immediately at (888) 210-2028 if you believe your account has been compromised.

      Identity theft occurs when someone uses your name, address, Social Security Number, credit card or financial account numbers, passwords and other personal information without your knowledge to commit fraud or other crimes.

      Attacks are more frequent and sophisticated, and identity theft is the fastest growing crime in the United States. According to the US Department of Justice statistics, it’s now passing drug trafficking as the number one crime in America.

      Top techniques used by thieves

      • Phishing. The attempt to acquire sensitive information by masquerading as a trustworthy entity in an email
      • Pharming. Cyber-attack intended to redirect a website’s traffic to another, fake site.
      • Vishing. Using the telephone in an attempt to scam the user into surrendering private information that will be used for identity theft.
      • Spyware. Software that enables a user to obtain covert information about another’s computer activities by transmitting data covertly from their hard drive.
      • Dumpster Diving. Sifting through waste to obtain items that have been discarded by their owner containing sensitive information that will be used for identity theft.

      Call us immediately at (888) 210-2028 if you believe that your All America Bank® account has been compromised or you feel you need to consider additional authentication options.

      Learn more about online security.

  • Business Identity Theft

    • How can I protect my business' identity?

      Online security is critical to the success and longevity of your business. We take your banking security very seriously. It is important to keep your business identity from being stolen by someone who can potentially harm your good name and financial well-being.

      Call us immediately at (888) 210-2028 if you believe your account has been compromised.

      Risk Assessment

      All America Bank encourages its business customers to perform a self-assessment of risks associated with their computer systems and business practices. Your risk assessment should include a review of the following systems and other information technology that may apply, as well as mitigating controls that are in place to prevent the risks.

      Internet Usage

      • Is a firewall utilized?
      • Is anti-virus protection provided?
      • Does the company maintain a web page?
      • Do employees have limited access to the internet?

      Electronic Mail

      • Is an anti-phishing system employed?
      • Are employees allowed to access personal email accounts?
      • Is there a prohibition on sending non-personal company information, such as bank account number by unsecured email?
      • Is email SPAM filter being used?

      Business Practices

      • Are procedures utilized that require dual control over important functions?
      • Are employees’ duties clearly defined by job description?
      • Are employees required to swap duties?
      • Do employees go through security awareness training?
      • Do employees lock their workstations when they leave them?
      • Is wireless technology used on the network?
      • How are passwords protected?
      • Do you create back-up copies of information?
      • Are critical systems located in a secure area?

      Take action today to determine where weaknesses exist and to identify controls that may help to mitigate these risks.

      Learn more about online security.

  • Corporate Account Takeover

    • What is a corporate account takeover and how can I avoid it?

      Corporate Account Takeover is the business equivalent of personal identity theft. Hackers, backed by professional criminal organizations, are targeting small- and medium-size businesses to obtain access to their web banking credentials or remote control of their computers. These hackers will then drain the deposit and credit lines of the compromised bank accounts, funneling the funds through mules that quickly redirect the monies overseas into hackers’ accounts.

      As a business owner, you need an understanding how to take proactive steps and avoid, or at least minimize, most threats.

      • Use a dedicated computer for financial transactional activity. DO NOT use this computer for general web browsing and email
      • Apply operating system and application updates (patches) regularly
      • Ensure that anti-virus/spyware software is installed, functional and is updated with the most current version
      • Have host-based firewall software installed on computers
      • Use latest versions of Internet browsers, such as Explorer, Firefox or Google Chrome with “Pop-up” blockers and keep patches up to date
      • Turn off your computer when not in use
      • Do not batch approve transactions; be sure to review and approve each one individually
      • Review your banking transactions and your credit report regularly
      • Contact your Information Technology provider to determine the best way to safeguard the security of your computer and networks

      Call us immediately at (888) 210-2028 if you believe that your All America Bank® account has been compromised or you feel you need to consider additional authentication options.

      Learn more about online security.