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Avoid Declined Transactions
Choose Your Overdraft Coverage Today!
National Bank of Arizona offers overdraft coverage options that fit your needs in case your account is ever low on funds. NB|AZ overdraft options are:
Overdraft Protection
Link a savings, money market, secondary checking or an overdraft line of credit1 to your checking account from which funds will be automatically transferred when you're running low. This plan covers your ATM and debit card transactions, as well as checks and automatic funds transfers. Visit your local branch to apply today.
Courtesy Approval™
With Courtesy Approval™, NB|AZ can cover you at our discretion for ATM withdrawals and one-time debit card purchases, even if you don't have the available funds in your account. There is no enrollment fee, all you need to do is opt-in to this service.2 To opt-in, login to Online Banking, visit your local branch, or call 800.497.8168 Mon-Sat from 8 a.m. to 8 p.m. MST.
Best Account Coverage
Select both Overdraft Protection and Courtesy Approval™. With Overdraft Protection, your funds will be transferred from your other linked accounts to cover transactions. Then, if those funds run short, Courtesy Approval™ can keep you covered.
1 Subject to credit approval. See banker for details.
2 Login to your Online Banking account and select the "Services" tab to opt-in to Courtesy Approval™.
| CREDIT RESERVE LINE | DEFICIT FUNDS TRANSFER | COURTESY APPROVAL | |
| 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* | None* | $33 |
| Other Charges | 17% fixed rate on outstanding balance | None | None |
| Credit Approval Required | Yes | No | No |
| Special Features | Make advances at branch or ATM | None | None |
* When amount of overdraft does not exceed the balance available in the line of credit or linked account
Frequently Asked Questions
How do I enroll for Overdraft Coverage?
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.
How do I enroll for Overdraft Coverage?
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.
