Credit Reserve Line[cite::67::cite]

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 helps protect you from accidental overdrafts. 

Visit your banker for details. 

Deficit Funds Transfer[cite::70::cite] [cite::72::cite]

When you’re running low on funds, a deficit funds transfer moves money from your NB|AZ® savings, money market[cite::64::cite] or secondary checking account[cite::72::cite] to your primary checking account.

Please visit your local branch for details.

Debit Card Overdraft Service[cite::72::cite]

With Debit Card Overdraft Service, NB|AZ covers your ATM withdrawals and one-time debit card purchases at our discretion, even when your funds are unavailable. This service is separate from NB|AZ overdraft protection options and you must opt-in. If you opt-in, these transactions may be paid at NB|AZ discretion, which means NB|AZ does not guarantee to always authorize and pay these transactions and fees may apply.

Determining factor for payment include how long your account has been opened, balances maintained, past overdrafts, and the amount of the transaction. Service does not guarantee transactions will be authorized.

Fees

• A Non-Sufficient Funds Fee is charged for each transaction, up to a maximum of 5 fees per day 
• Non-Sufficient (NSF) Fee $35.00, per transaction posted, whether the bank opts to pay or decline the transaction   
• No fee charged if the account is overdrawn $5 or less after all transactions post following close of business   
• Accounts overdrawn for 30 days are subject to closure. 
• Daily Overdraft Fee (Overdraft Service Fee) $5  
• Daily Overdraft Fee is charged every day beginning the fifth consecutive calendar day account is overdrawn more than $5, starting the fifth consecutive calendar day for a maximum of 30 calendar days 

Best Account Coverage

Select one of our Overdraft Protection services such as Credit Reserve Line or Deficit Funds Transfer, and opt-in to Debit Card Overdraft Service for the best possible coverage.