Welcome to American Bank! We are glad that you made the decision to join us. We are an equal opportunity employer and it is our policy not to discriminate against race, color, creed, national origin, age, sex, religion, disability, marital or veteran status.


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This path through our website will guide you through information that is important in your employment with American Bank. Please review it carefully. You will have an opportunity to read the FAQ's ("frequently asked questions"), the Employee Handbook, the Benefits Summary, and will be able to enroll in benefits programs offered by American Bank At the end of each topic, we will ask you to click on the <<checkmark>> to record that you have completed it.

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Frequently Asked Questions (FAQ's)

Listed below are the most common questions asked by new employees. Please feel free to call Human Resources if you have further questions.

Q. Is there an initial employment period for new employees?

A: Yes. All newly hired employees are subject to an initial period for the first 90 days of employment. During this time, you will demonstrate your skills and abilities through on the job performance. At the end of the 90 day period, you will be reviewed. Achievement of a performance rating of "fully meets requirements" means that you have satisfactorily completed your initial employment period. Officers will be reviewed at their manager's discretion.

Q: When is my insurance effective?

A: Every full and prime­time employee may elect group medical and dental insurance coverage. All full and prime­time employees are provided group life insurance and long­term disability insurance. Officers are eligible for coverage effective on the first day of employment. Full and prime­time employees are eligible for coverage on the first day of the calendar month following the completion of ninety (90) days of continuous employment. For example, if you are hired May l 9, your insurance coverage would go into effect on September 1. Part­time employees are not eligible for insurance benefits.

Q: What are my working hours?

A: Working hours, lunches and breaks can vary with each department. Please discuss your hours with your supervisor.

Q: When do I get paid?

A: Pay periods are twice a month. If you wish, you may open a free checking account with the bank, and your salary may be automatically deposited into your account each pay day. All employees are paid on the 15th and the last day of each month. Full­time employees are always paid up through pay day; for example, you will receive pay for the 1st through the 15th. However, due to the lead time required when processing payroll, new full­time employees may not be paid on the first pay date following employment. However, you will be paid up to date on the next payroll date, i.e., if hired on the 12th the month you will not be paid on the 15th, but would receive pay for the 12th through the 30th on the 30th pay date. Part­time employees will be given a payroll schedule which will indicate pay dates and the weeks you will be paid on each pay date, due to the lag in time card processing.

Q: Am I eligible for vacation?

A. If you begin work between January 1 and February 28, you are eligible for ten days of paid vacation after six months of continuous employment. For example, if you are hired February 1, then you are eligible for vacation after August 1. If you begin work between March 1 and April 30, you are eligible for five days of paid vacation after six months of continuous employment. Every year after that you are eligible for two weeks paid vacation. Following five years of continuous employment, you will receive three weeks paid vacation. This applies to both full and prime­time employees.

Part ­time employees are eligible for one week paid vacation after twelve months of service. Following five years of continuous employment, you will receive two weeks paid vacation. Peak­time employees are not eligible for paid vacation.

Q: How many paid holidays do we have off a year?

A: Ten. Holidays are tied to the closing of the Federal Reserve Bank. Paid holidays include: New Years Day, Presidents Day, Martin Luther King Day, Memorial Day, Independence Day, Labor Day, Columbus Day, Veteran's Day, Thanksgiving and Christmas.

Part­time employees will receive their regular rate of pay if a holiday falls on their normally scheduled work day. Peak­time employees are ineligible for holiday pay.

Q: Where do I park?

A: Each branch has a designated area for free employee parking. Please be sure not to park in reserved spaces.

Q: Do you have a retirement program for your employees?

A: Yes. Our Employee Stock Ownership Plan (ESOP) is offered to employees who meet the following criteria: at least 22 years of age, and completion of one year of service (1000 hours). You are automatically enrolled once you have met the above criteria. The company pays the full cost. Through this plan, each employee is an owner of the bank. As the bank does well and grows in value, so will the value of your ESOP stock, and the amount of benefits you'll receive at retirement.

You are also eligible to participate in the bank's Choice Plan 401 (k) once you have been employed for one year (1000 hours) and are 21 years of age. This retirement/savings plan offers employees the opportunity to save on a pre­tax basis, plus receive an employer match contribution. Upon eligibility, you can save through payroll deduction, and receive a matching contribution of $.75 on every $1.00 up to 5% of your annual salary. You will be able to invest your 401(k) savings in any one or combination of the five investment accounts.

Q. What is the policy on sick days?

A: No employee is expected to work when ill or when a personal emergency makes an absence necessary. At such times, please notify your supervisor no later than starting time. Full­time and prime­time employees must complete 90 days continuous employment to be eligible for sick pay. After 90 days an employee may receive sick pay for up to six absences within a calendar year due to illness, injury, personal emergency or family illnesses. Part­time and peak­time employees are not eligible for paid sick days. All sick days are granted at the discretion of your manager.

Q: Are there opportunities for advancement?

A: Yes. We have a job posting program to give our employees advancement opportunities before filling a vacancy from the outside. To qualify for a posted position, you must:

  1. have been in your position for at least six months (part­time employees with less than six months service may apply for a full­time position at the same grade level in their department),
  2. meet the required qualifications,
  3. have a good attendance record,
  4. have a satisfactory performance record.

Q: When will I be eligible for a salary increase?

A: Employees will be reviewed and be eligible for a salary increase annually on their anniversary date.

Q: Does American Bank assist with education costs?

A: Yes. If you are attending an accredited college and you are pursuing banking or business­related courses, American Bank will reimburse tuition for up to two courses per semester. Reimbursement of 100% is made for courses which you complete with a grade of "C" or above. Full­time and prime­time employees are eligible for this program following 90 days of employment.

Q: What other benefits are offered?

A: * Free checking account ­ free checks and no service charge

* Free savings account

* Free Traveler's Checks, Money Orders and Cashier's Checks

* Free notary service

* Magic Kingdom Club

Again, please feel free to call Human Resources at 396­8253 if you have any specific questions. 4/96

   Read Company History

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American National Bank History

American National Bank of Florida was originally founded as the Southside Bank of Jacksonville by a group of businessmen who were members of the "Southside Businessmen's Club." These businessmen had a strong need for a bank in south Jacksonville. At that time, there were no banks on the Southside St. Johns River.

The Southside Bank of Jacksonville was chartered on December 5, 1941 and opened for business on January 2, 1942 with Frank W. Sherman, is president, and two additional employees. The first location, about one mile from our present main office, was a small storefront office at the corner of Hendricks and Landon Avenues. Had this not occurred when it did, the bank may never have opened. With the bombing of Pearl Harbor on December 7, 1941 and the United States' entrance into World War II, no new bank charters were granted until the war ended in 1945. The Southside Bank became American National Bank of Jacksonville in 1942, one year after opening.

Following the war and under Frank Sherman's leadership, the Bank grew and prospered, moving to is present Hendricks Avenue location on October 5, 1951.

The second office of American National Bank, located at the Mayport Naval Station, opened in 1959. Three additional offices, Arlington, Beach Boulevard, and Mandarin, opened for business as state chartered banks in 1961, 1964, and 1974, respectively.

Raymond K. Mason, Sr. and his family purchased controlling interest in American National Banks of Jacksonville on March 23, 1978, and a new chapter of the Bank's history began. One of the first events was the merger of the three state banks into the original American National Bank. This provided customers the dual advantage of neighborhood banking and the full use of banking services in all four locations.

The start of the decade of the 1980's brought revolutionary changes in the banking industry with the advent of deregulation. American Bank entered this decade of challenge under the leadership of Raymond K. Mason, Jr., President.

In response to increased competition from non­bank financial services companies, American Bank worked to improve the quality of existing services, and developed and marketed non­traditional banking services. Strong consumer demand for higher yielding deposit instruments accounted for a shift from demand and savings accounts to NOW accounts and time deposits. Money market accounts were introduced, which attracted funds back into the bank. The "AmBank 24" network of automated teller machines was installed in 1982, providing 24­hour service at each American Bank location. Twelve new branch offices were opened throughout the Jacksonville area between 1980 and 1986 to expand our market and enhance service to customers. On January 1, 1984, our name was changed to American National Bank of Florida

Geographic expansion of the bank occurred in 1986, with the establishment of a newly chartered bank in Clay County. Also, as of December 31, 1986, American Bank reached a milestone in terms of total asses by surpassing the $400 million level.

Beginning in 1987, American Bank began redirecting existing financial, management, and human resources toward enhancing the value of the bank's distribution system, and increasing our commitment to a single intangible facet­sustained, high quality service. The delivery of quality service and produce remains a critical long­term goal of American Bank.

The bank passed the half billion dollar level in total assets as of April 1990. American Bank has continued to develop the appropriate corporate structure and the necessary products and services to best deal with an evolving environment, and to capitalize on the opportunities of industry­wide changes. We know that there are many challenges ahead and we look forward to meeting them. Our concept of "One­to­One" banking and our commitment to sustained high­quality service sets American Bank apart from competition, and we will continue that philosophy into the 1990's.

American National Bank Of Florida

Branch Opening Dates

Hendricks Avenue January 2, 1942
Mayport December 1959
Beach Boulevard January 19, 1961
Arlington May 1, 1964
Mandarin January 4, 1974
Eighth Street December 15, 1980
Normandy Boulevard November 12, 1981
Loretto Road January 12, 1983
Atlantic Beach July 9, 1984
Deerwood August7, 1984
103rd Street February 24, 1986
Orange Park October 7, 1986


  Next: Read Employee Handbook