Overdraft Protection

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Avoid Declined Transactions

Offering overdraft services that provide different levels of protection when funds in your account are running low.

Overdraft Services

Credit Reserve Line[cite::66::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 protects you from accidental overdrafts[cite::67::cite].

Visit your banker for details.

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

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 account.

Please visit your local branch for details[cite::69::cite].

Debit Card Overdraft Service

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. There is no enrollment fee, and all you need to do to get started is opt-in[cite::68::cite]. 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 Debit Card Overdraft Service for the best possible coverage[cite::64::cite].

Frequently Asked Questions

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How do I opt-in to Debit Card Overdraft Services?

Visit any NB|AZ branch location, call 888.724.6596, or log into your Online Banking account and select the "Services" tab to opt-in to Debit Card Overdraft Service.

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 Debit Card Overdraft Service NB|AZ can cover your debit card and ATM transactions at our discretion.

What will happen if I don't opt-in to Debit Card Overdraft Service?

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 Debit Card Overdraft Service or Overdraft Protection?

It costs nothing to enroll. In fact, there are no costs at all if you never use your Overdraft Protection or Debit Card Overdraft Service. Talk to your banker for more details.

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