The American National Bank of Texas — Check Writer & Routing Number Guide

Writing a check on your The American National Bank of Texas account

The American National Bank of Texas is an FDIC-insured institution headquartered in Terrell, Texas , with approximately $6.88B in total reported assets and 28 active offices nationwide. Like every US bank, the physical checks The American National Bank of Texas issues follow the ANSI X9 check standard, which fixes the position of the routing number, account number, and check serial number along the bottom MICR (Magnetic Ink Character Recognition) line. The fields above the MICR line — payee, amount box, written amount line, date, memo, and signature — are arranged in the conventional US layout that this page mirrors.

Whenever you write a check on a The American National Bank of Texas business account, your goal is to fill in every required field clearly and unambiguously, so the bank's automated check-clearing systems and any downstream reviewers can read the same dollar amount in three places: the numeric box, the written line, and the encoded amount once the check has been deposited. The instructions below walk through each field in the order most people fill them in, with bank-specific notes that apply to The American National Bank of Texas accounts.

1. The date line

Write today's date in the upper-right corner. The American National Bank of Texas, like every US bank, will treat a check as "stale" 6 months after the date written on it, so post-dating more than a few days into the future is risky — the recipient may simply hold it until that date arrives. Use a long-form date such as April 7, 2026 or a numeric date such as 04/07/2026. Avoid writing only "April 7" — including the year prevents misinterpretation.

2. The payee line ("Pay to the Order of")

Write the recipient's full legal name on the line that begins "Pay to the Order of." For a business payee, use the registered business name exactly as it appears on the recipient's invoice or W-9. The American National Bank of Texas tellers and the Federal Reserve's automated check clearing both treat the payee line as the controlling instruction for who may negotiate the check, so an abbreviation or nickname can result in the check being returned. Draw a horizontal line through any unused space to the right of the name to prevent additions.

3. The amount in numerals

Write the amount in the small box on the right side of the check. Always include the cents, even if the amount is a round dollar figure: $1,250.00, not $1,250. Place the dollar sign tight against the first digit and use a clear decimal point. If you are paying $1,250.00, the box should read 1,250.00 with no leading space.

4. The written amount line

Write the dollar amount in formal English on the long line that runs across the middle of the check. The written amount controls if it differs from the numeric amount, which is why every bank — including The American National Bank of Texas — trains tellers to compare the two before accepting a deposit. Use the format "One Thousand Two Hundred Fifty and 00/100". The CheckCraft amount-to-words converter generates this line for you in the exact format US banks expect. Draw a line through any space that remains between the amount and the printed word "Dollars" at the end.

If your business writes more than a handful of checks per month, consider using a dedicated business check printing service instead of hand-writing each one — most reputable services offer MICR-encoded stock and per-check pricing under $0.20.

5. The memo line

The memo line at the bottom-left is optional but valuable. For business checks, list the invoice number, account number, or service period being paid. The American National Bank of Texas stores the front and back image of every cleared check, so a clear memo makes it much easier to look up a transaction later for accounting or audit purposes. Examples: "Inv #20452 — March services", "Q1 quarterly tax estimate", "Rent — April 2026".

6. The authorized signature

Sign the bottom-right line in ink that matches the signature card on file with The American National Bank of Texas. For business checks, this is the signature of an officer authorized on the account's signature card; many small businesses also require two signatures on checks above a threshold dollar amount. The American National Bank of Texas may apply Positive Pay matching to your business account, in which case any check that does not match a previously uploaded issue file will be flagged.

The The American National Bank of Texas MICR line

The MICR line at the bottom of every The American National Bank of Texas check encodes three pieces of information in magnetic ink so check sorters can read them at high speed:

• Routing number — a 9-digit ABA number identifying The American National Bank of Texas. The actual number is printed on your physical checks; never type a routing number you find online into a payment app, because banks may have multiple routing numbers depending on account type and state.
• Account number — your specific business account, typically 8 digits long for accounts at this bank's typical product tier.
• Check serial number — usually 4 digits, matching the printed number in the upper-right corner. Sequential numbering is required for accounting reconciliation.

The MICR line is printed in the E-13B font (per the ANSI X9 standard) using magnetic toner. If you are printing checks yourself, you must use MICR-formulated toner cartridges and pre-perforated check stock — standard laser toner will not be reliably read by the Federal Reserve's check sorters and may delay clearing.

Voiding a The American National Bank of Texas check for direct deposit

If your employer or payroll provider asks for a voided The American National Bank of Texas check to set up direct deposit:

1. Take a blank check from the back of your booklet that you have not recorded as issued.
2. In large block letters across the front, write VOID in non-erasable ink (black or dark blue).
3. Make the VOID large enough to cover the payee, amount, and signature lines, but do not obscure the MICR line at the bottom — the routing and account numbers must remain readable.
4. Photograph the front of the check before handing it over, in case the original is misplaced.
5. Note the check number in your The American National Bank of Texas register with the comment "Voided — direct deposit setup."

If your The American National Bank of Texas account did not ship with paper checks, log into The American National Bank of Texas's online banking and look for "Set up direct deposit" — most major banks generate a PDF with your routing and account numbers that can be used in lieu of a voided check. See our full voided checks for direct deposit guide for more.

Recommended check layout for The American National Bank of Texas

The illustrated layout matches the conventional US business check format The American National Bank of Texas uses for its standard checking products. The visible color band in our preview reflects the bank's brand palette — your actual checks may use a different design package depending on what you ordered, but the field positions remain the same.

• Date: Upper-right corner, just below the pre-printed check number.
• Payee: Center-left, on the line marked "Pay to the Order of".
• Amount (numeric): Right side, in the boxed area marked with a dollar sign.
• Amount (written): Center, on the long line above the printed word "Dollars".
• Memo: Bottom-left, on the short line marked "Memo" or "For".
• Signature: Bottom-right, on the line marked "Authorized Signature".
• MICR line: Bottom edge — routing • account • check no., printed in E-13B magnetic-ink font.

Printing The American National Bank of Texas checks at home or in the office

If your business prints its own checks rather than ordering pre-printed booklets from The American National Bank of Texas, you will need three things:

• Blank check stock with security features (microprinting, watermarks, chemical-reactive paper) and a perforated stub. Stock comes in three layouts: check-on-top, check-in-middle, and three-checks-per-page.
• MICR toner in your printer. Standard laser toner contains too little magnetic material for the Federal Reserve's reader-sorter machines.
• Alignment offsets. Your printer driver may need a 0.05–0.10 inch nudge to land the MICR line in the precise vertical band the spec requires (5/8" from the bottom edge).

Common mistakes to avoid

• Leaving the amount box blank and only filling in the written line — most banks reject these.
• Using pencil or erasable ink — banks treat erasable ink as evidence of tampering.
• Writing the amount as "$1,250 only" — the word "only" has no defined legal meaning and can be misread.
• Folding the check across the MICR line — folds break magnetic encoding and the check will be hand-processed at extra cost.
• Pre-signing blank checks — if lost, anyone can fill them in and negotiate them against your The American National Bank of Texas account.

For higher-volume environments, consider using positive-pay or check-fraud monitoring services in addition to The American National Bank of Texas's built-in fraud-prevention tools. The combined coverage typically catches issues that any single layer would miss.

FAQs about The American National Bank of Texas business checks