Any and all information,
materials, product offerings, services, terms and conditions are subject to
change without notice.
Not all products and
services advertised on this website are available in all geographic areas. We
reserve the right to determine your eligibility for any product or service.
This website is not directed
to children, although we may periodically advertise special accounts that may be
appropriate for children. Parents of children interested in any of our online
services should contact us at one of our many office locations.
American Bank and Trust
maintains this website to provide you with information about our products and
services. For your convenience, we may also provide links to various third
parties websites that may be of interest to you. American Bank and Trust does
not control linked third party sites. When you click on links to third party
sites, you will leave our website and will be redirected to another site.
Linking to other third party sites is at your own risk. The content on linked
sites may change without notice.
WE MAKE NO REPRESENTATION OR
WARRANTY REGARDING THE ACCURACY OF THE INFORMATION CONTAINED IN LINKED THIRD
We suggest that you always
verify the information obtained from linked sites before acting upon this
information. American Bank and Trust is not an agent for linked third parties
nor do we endorse or guarantee their products and services. The products and
services offered by linked third parties are not products of American Bank and
Trust and are not insured by any governmental agency such as the FDIC or the
Also, please be aware that
the security and privacy policies on linked sites may be different from our
policies, so please read third party privacy and security policies closely. If
you have any questions or concerns about the products and services offered on
linked third party sites, please contact the third party directly.
We may provide links to
Investment or Securities companies, which offer products such as stocks, bonds,
mutual funds, and annuities. These investment companies are not affiliated with
this institution. Furthermore, investment products offered through this website:
American Bank and Trust deposits.
insured by any governmental agency such as the FDIC.
obligations of or guaranteed by American Bank and Trust.
investment risks, including the possible loss of some or the entire principal
We may also provide links to
purchase insurance products. This financial institution, its affiliated
companies, and/or other unaffiliated third parties may offer these products.
Please note that insurance and annuity products available through this site:
deposits, obligations of, or guaranteed by American Bank and Trust or any of its
insured by American Bank and Trust, the FDIC, or any other agency of the United
insurance products, such as annuities, may have investment risk, including the
possible loss of value.
of an insurance product is not a condition to any loan, product or service
offered by American Bank and Trust, its affiliates, or nonaffiliated third
Use of Information
Submitted Through the Website
Any communication or
material that you transmit to us through this website or through electronic mail
may be used only by American Bank and Trust for the purposes described in our
and shall remain the property of American Bank and Trust; this information will
only be used internally for the purpose intended or as allowed by law.
American Bank and Trust
shall be free to use, for any purpose, any idea, concept, know-how or technique
contained in information submitted by a visitor to us through this website and
American Bank and Trust shall not be subject to any obligations of
confidentiality regarding submitted information except as agreed by direct
customer relationship, or as otherwise specifically agreed or required by law.
Nothing contained herein shall be construed as limiting or reducing American
Bank and Trust responsibilities and obligations to customers in accordance with
If you need to communicate
personal or confidential information, please do not use the email feature on
this website, it is not a secure email service. Instead contact us by telephone,
or you may use the secure mail feature within our Internet Banking Service.
Any dated information on this site is "As Of" its date only. We will use every
reasonable effort to include accurate and up to date information on the site,
but we make no warranties or representations as to the accuracy of the
information, DATED OR OTHERWISE, AND WE EXPRESSLY DISCLAIM ANY AND ALL LIABILITY
FOR ERRORS OR OMISSIONS IN THIS INFORMATION AND MATERIALS.
All information, materials AND services contained in this site, including
graphics, links, AND ANY other items are provided "AS IS", “AS AVAILABLE” to the
user without express or implied warranties of any kind including the warranties
of merchantability, non-infringement of intellectual property, fitness for any
particular purpose, AND FREEDOM FROM COMPUTER VIRUS.
All registered and
unregistered trademarks are the sole property of their respective owners.
Unauthorized reproduction in whole or part is prohibited.
American Bank and Trust owns
copyright in the pages, screens, text, sound recordings, and images appearing at
this site unless otherwise indicated.
Limitation of Liability
AMERICAN BANK AND TRUST
will under no circumstances be liable to you and/or any third party for any
damages including without limitation direct or any indirect, special,
consequential, incidental or punitive damages whatsoever, arising in connection
with this website or use thereof or inability to use by any party, or in
connection with any failure of performance, error, omission, interruption,
defect, delay in operation or transmission, computer virus, line or system
failure, even if AMERICAN
BANK AND TRUST
has been advised of the possibility of such damages.
BANK AND TRUST
will not be liable for any difficulty in use, or for the incompatibility between
this website and YOUR WEB BROWSER OR OTHER site accessing program. Nor will
be liable for any other problems you experience due to causes beyond our
No license to you is implied
in these disclaimers, except as may be otherwise expressly provided by written
agreement between you and American Bank and Trust.
This agreement shall be
governed by and construed in accordance with federal statutes and the laws of
This website is not intended
for distribution to, or use by, any person or entity in any jurisdiction or
country where such distribution or use would be contrary to local law or
or pages on this website may contain separate terms and conditions, which are in
addition to these terms and conditions. In the event of a conflict, the
additional terms and conditions will govern for those services or pages.