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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 details^6,7.

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.