National Bank of Arizona Review: Low-Cost Banking

National Bank of Arizona likely has a product fit for you.

National Bank of Arizona began as a business bank, but it’s now a full-service financial institution that offers a number of products and services for personal banking customers as well, including checking and savings accounts, credit cards, loans, and online and mobile banking.

Keep reading this National Bank of Arizona review to find out if it’s the best banking option for you.

National Bank of Arizona Review

National Bank of Arizona is a part of the Zions Bancorporation, one of the 40 largest banking companies in the United States and a member of the S&P 500 and the Nasdaq 100 financial indexes. There are over 50 National Bank of Arizona locations throughout Arizona, with locations generally open Monday through Thursday from 9 a.m. to 5 p.m. and Friday from 9 a.m. to 6 p.m. You can also access your account information 24/7 by phone, or with your National Bank of Arizona login through online banking and mobile banking with the National Bank of Arizona app. And you can rest assured your funds are safe with this bank chain, as National Bank of Arizona is insured by the Federal Deposit Insurance Corp.

Learn: How Many Bank Accounts Can You Have at One Bank?

National Bank of Arizona Products and Services

Whether you want to open an account or take out a loan, National Bank of Arizona offers a number of products and services to meet your needs.

National Bank of Arizona Checking Accounts

National Bank of Arizona offers five different checking accounts:

  • Anytime Checking: A minimum opening deposit of $50 is required, and there is an $8 monthly fee that is waived for customers who make 10 debit or credit card purchases each month, who receive $250 or more in direct deposits each month or who are 25 years old or younger. Features of this account include online checking account access and mobile check deposits.
  • Anytime Interest Checking: A minimum opening deposit of $50 is required, and there is a $10 monthly fee that is waived for customers who maintain a minimum daily balance of $1,500 or a combined deposit and consumer loan balance of at least $10,000. Features of this account include online banking and mobile check deposits, plus interest earned on your account balance.
  • Premium Interest Checking: A minimum opening deposit of $50 is required, and there is a $20 monthly fee that is waived for customers who maintain a combined deposit balance of $10,000 or a combined deposit and consumer loan balance of $25,000. Features of this account include premium interest on your account balance, a complimentary safe deposit box, complimentary checks, three rebates per month on ATM fees incurred at other banks and one free domestic wire transfer into your account per month.
  • Military Advantage: A minimum opening deposit of $50 is required, and there is a $5 monthly fee that is waived for customers who maintain a minimum daily balance of $500 or make at least $250 in direct deposits per month. Features of this account include ATM surcharge waivers and access to online and mobile banking.
  • Senior Advantage: A minimum opening deposit of $50 is required, and there is a $5 monthly fee that is waived for customers who maintain a minimum daily balance of $500 or make at least $250 in direct deposits per month. Features of this account include ATM surcharge waivers and access to online and mobile banking.

National Bank of Arizona Savings Accounts

Whether you want to open a traditional savings account or a higher-yield option, you can do so at National Bank of Arizona with one of its three savings options:

  • NB|AZ Savings: A minimum opening deposit of $50 is required, but there is no balance requirement to earn interest. There is a $5 monthly fee that is waived for customers who maintain a minimum daily balance of $200 or receive a minimum of $25 in automatic transfers from a linked NB|AZ checking account.
  • NB|AZ Money Market: Earn competitive interest rates while having access to your funds. A minimum opening deposit of $500 is required, and you must maintain a daily balance of $1,000 to avoid a $10 monthly fee.
  • Certificates of Deposits: Choose from terms ranging from 30 days to five years. A $1,000 minimum opening deposit is required.

Related: Pros and Cons of Online Savings Accounts

National Bank of Arizona Credit Cards

You can choose from four types of credit cards:

  • AmaZing Rewards Visa Card: Earn rewards on everyday purchases.
  • AmaZing Cash Visa Card: Get cash back on everyday purchases.
  • AmaZing Rate Visa Card: With this card, you’ll pay no annual fee, and enjoy a 0% intro APR for purchases for the first six months and a 10.99% to 16.99% variable APR thereafter.
  • AmaZing Launch Secured Visa: This card is intended for people who want to build credit.

Find Out: 7 Screening Methods Credit Card Companies Are Using

National Bank of Arizona Vehicle Loans

National Bank of Arizona offers loans for new and used automobiles, as well as new and used recreational vehicles. Both feature a fixed APR.

National Bank of Arizona Personal Credit

National Bank of Arizona customers can choose from the following options:

  • Home Equity Line: There’s no annual fee, no origination fee, no title fee and no appraisal fee with this loan.
  • ReddiCredit: This flexible, unsecured line of credit allows you to borrow for large purchases.
  • Personal Loan: Secured and unsecured loans are available, both with a fixed APR. There is no prepayment penalty.

National Bank of Arizona Mortgage Lending

Want to buy a home? National Bank of Arizona can help with the following mortgage products:

  • Home Mortgage and Refinancing: Fixed- and adjustable-rate loans are available, with conforming loans available up to $453,100.
  • Jumbo Mortgages: Borrow up to $3 million with a jumbo loan.
  • One-Time: This loan can be used to save on closing costs, with loan amounts up to $3 million.

National Bank of Arizona Pros and Cons

If you live in Arizona, National Bank of Arizona could be your one-stop shop for all of your personal finance needs. A major advantage of this bank is all of the options it offers for checking, saving, credit cards and loans. Standout products and services include CDs with a range of terms, the AmaZing Rate Visa Card with no annual fee, home equity lines with no annual or origination fees and jumbo loans for those making a large home purchase. National Bank of Arizona also offers the convenience of mobile and online banking.

A disadvantage is a lack of no-fee checking, with all accounts having balance or deposit requirements to waive the monthly fee. And while you can access account information 24/7, live customer service is only available Monday through Saturday, 8 a.m. to 8 p.m. MST.

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