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National Bank of Arizona

Avoid Declined Transactions


National Bank of Arizona® offers overdraft services that provide different levels of protection when funds in your account are running low. NB|AZ®’s overdraft services include:

  1. Credit Reserve Line1
    A credit reserve line is attached to your NB|AZ® checking account. Whenever you attempt to spend more money than is in your account, this line of credit protects you from accidental overdrafts2.

    Visit your banker for details.

  2. Deficit Funds Transfer
    When you’re running low on funds, a deficit funds transfer moves money from your NB|AZ® savings, money market or secondary checking account to your primary checking account2.

    Please visit your local branch for details6,7.

Courtesy Approval®
With Courtesy Approval, NB|AZ® covers your ATM withdrawals and one-time debit card purchases at our discretion, even when your funds are unavailable.

There is no enrollment fee, and all you need to do to get started is opt-in4. To opt-in, login to Online Banking, visit your local branch, or call 800.497.8168.

Best Account Coverage
Select one of our Overdraft Protection services such as Credit Reserve Line or Deficit Funds Transfer, and opt-in to Courtesy Approval for the best possible coverage3.

Overdraft Protection Options Courtesy Approval
CREDIT RESERVE LINE DEFICIT FUNDS TRANSFER  
Transaction Types Covered All All One-time debit card purchases and ATM transactions
Enrollment Fee None None None
Transaction Fee None $10 per transfer None
NSF Fee Charged None None2 $332
Other Charges 17% fixed rate on outstanding balance4 None None
Credit Approval Required Yes1 No No
Special Features Make advances at branch or ATM None None

1Subject to credit approval. See a banker for the Credit Reserve Line (CRL) agreement for additional terms and conditions.

2If the balance available in the CRL or the linked account is not sufficient to pay the full amount of your overdraft debit transaction, then (1) the Bank may not make any advance or may choose to advance the remaining portion of your credit limit, and (2) you shall incur the fees that are then in effect for your checking account, based on whether your debit transaction is (1) dishonored or declined by the Bank, or (2) allowed to create an overdraft balance in your checking account.

3You may prepay all or any portion of the outstanding balance at any time without penalty. Each month the Bank will automatically debit the minimum payment amount from the checking account to make the required minimum payment on the payment due date, as per the CRL agreement.

4Login to your Online Banking account and select the “Service” tab to opt-in to Courtesy Approval®.

5The fixed rate is the Annual Percentage rate (APR). A daily periodic rate is assessed on advances and/or outstanding balances until the account is paid in full. Rate is subject to change.

6If account remains overdrawn, you may incur additional fees set forth as per the Schedule of Fees.

7All overdrawn accounts are subject to the terms and conditions as per the Bank’s Depositors Agreement.

Frequently Asked Questions

How do I opt-in to Courtesy Approval?
Visit any NB|AZ® branch location, call 888.724.6596, or login to your Online Banking account and select the "Services" tab to opt-in to Courtesy Approval.

What will happen if I don't choose a coverage plan?
If you have insufficient funds to cover transactions including checks, ACH or automatic bill pay transactions, NB|AZ® may choose to not pay the transaction. If NB|AZ® chooses to cover the transaction, you will be charged fees for each item presented against insufficient funds.

If you have insufficient funds to cover debit card and ATM transactions, NB|AZ® cannot cover you, and your transaction will be declined. However, if you opt-in to Courtesy Approval NB|AZ® can cover your debit card and ATM transactions at our discretion.

What will happen if I don't opt-in to Courtesy Approval?
Your debit card transaction will be declined at the point of sale or at the ATM if you don't have available funds in your account. This means you won't be able to complete your purchase or get the cash you need.

How much does it cost to enroll in Courtesy Approval or Overdraft Protection?
It costs nothing to enroll. In fact, there are no costs at all if you never use your Overdraft Protection or Courtesy Approval. Talk to your banker for more details.