Long-time customers of the National Bank of Arizona say they most appreciate the bank's small-town feeling. The bank has dozens of locations across the state and customer service phone lines manned by employees rather than recordings. One recent bank reviewer said they liked the bank because it was better to be greeted by a person than a robot.
Over the years, the National Bank of Arizona has forged relationships in each of its Arizona communities and has established trust with its customers, even in times of national and local economic downturn or in times of banking services becoming more technology oriented.
With a history of local banking, first for businesses and then for the public, the National Bank of Arizona’s mission includes making online banking and mobile apps state-of-the-art without sacrificing the bank’s personal touch for the sake of convenience.
Recently, the National Bank of Arizona's mobile app and website were updated with a sleeker look and a simpler interface, making it easier to navigate even for those customers who are not as comfortable using the new technology almost all banks have adopted.
What Is the National Bank of Arizona?
Changing and growing to meet the needs of their customers while maintaining a small-town feel is nothing new for the National Bank of Arizona. Founded in Phoenix, Arizona in 1984, the bank started with the simple mission of building local relationships with small business owners.
Now, more than 30 years later, the bank still prides itself on providing local, full-service banking for both businesses and personal banking customers. It offers checking and savings accounts, credit cards, mortgage loans, personal loans, certificates of deposit, and online and mobile banking services. The goal is to be the only bank customers need—and it seems to be working.
Several customers reported originally opening their National Bank of Arizona account as a secondary account while keeping their primary checking or mortgage with a larger bank. Over the years, as these customers realized that this local state bank offered everything the bigger national ones did—and in some cases more, like reimbursed ATM fees or free safe deposit boxes—they have moved to National Bank of Arizona as their primary bank and moved the larger banks to the second position. Or, sometimes, customers just keep all of their banking with the Arizona bank having no need to look elsewhere.
What Is the National Bank of Arizona?
According to standard banking health ratings, the National Bank of Arizona gets an A rating. In fact, in some categories, it scores an A+.
After the banking crisis of 2007, the Texas Ratio was developed by private bank analysts as a straightforward indicator of whether a bank was likely to fail. The ratio compares the value of risky loans to the total funds the bank has on hand to cover these loans. The National Bank of Arizona passes the Texas Ratio with an A+, according to RBC Capital Markets.
In looking at the National Bank of Arizona's deposit growth, or the gains in the amount of money deposited with the bank over time, the bank gets a B rating. And, in the final indicator, capitalization, simply the bank's assets minus liabilities, the National Bank of Arizona earns another A+ rating.
Is There Enough Diversity of Products to Meet My Needs?
National Bank of Arizona offers five different checking account types ranging from the appropriately named, “Anytime Checking” with small opening deposits and minimum balances to “Premium Interest Checking” which offers interest on account balances as well as perks like safe deposit boxes and ATM fee rebates. Senior citizens and members of the Military qualify for discounted, robust checking account packages. All of the personal checking accounts include online checking and allow mobile check deposits.
National Bank of Arizona offers three different savings accounts types: regular, money market and certificates of deposit. The bank offers four types of credit cards, auto loans and personal loans as well as mortgages and home equity lines of credit.
Locations & Branches
National Bank of Arizona is a division of Zions Bancorporation, a member of the Federal Deposit Insurance Corporation (FDIC) operating under multiple names. There are nearly 500 local branches of the Zions Bancorporation and not all of them are located in the Grand Canyon state. There are locations spread across the West including Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming.
The National Bank of Arizona has branches evenly dispersed throughout the state. The cities of Phoenix and Tucson each have about five locations. The greater Phoenix area holds about ten additional locations. There are additional branches located in about ten smaller communities scattered throughout the state.
How Do I Find My Local Branch?
The easiest way to find the branch closest to you is to visit the bank's website at https://www.nbarizona.com. From the home page, click on the Locations link at the top right side of the page. You may also find locations under the How Can We Help? section and use the Find a Branch feature to locate the branch nearest you and a map to the location.
Mobile Apps & Online Banking
Like larger bank chains, the National Bank of Arizona offers a full menu of always open banking options online and through its mobile app. For example, customers can log in any time of day or night to check the status of their accounts, make transfers, pay bills or look up information on old bank statements.
How Do I Login to Online Banking?
From the home page, the brown LOGIN button for online banking can be found to the right side of the top navigation bar. For easy access, it is available on the homepage and all other pages within the website.
To find your online banking account, click on the tab that relates to your account with National Bank of Arizona. There are specific pages for checking, savings, credit card, and home mortgage accounts as well as business or corporate banking.
How Do I Find Information on a Specific Product or Service?
From the home page, choose first whether your interest is in personal or business banking. The tabs for this choice are found on the top left side of the page. If you are looking for personal banking services, click on your choice of options from BANK, BORROW, INVEST, and RESOURCES. For business inquiries, choose from BANK, BORROW, TREASURY, and RESOURCES. From each selection, you will find a drop-down menu which will offer links to the specific information you need about products and services
What about Technology Features Like Mobile Deposit or Push-Button Transfers?
Beyond the ease of use and convenience of its website and mobile app, customers of the National Bank of Arizona also have access to the latest in banking technology. There are options for safely and quickly transferring money to friends and family, using smartphones to deposit checks directly into checking or savings accounts, automatic bill pay systems, and notifications and statements delivered through email—all with the highest levels of online banking security.
To get started, you can go to https://www.nbarizona.com to log in to your accounts or enroll in online account access. Or, you can apply for a home equity loan online at https://www.nbarizona.com/Personal-Credit.jsp. Or, if you are away from a screen and just prefer talking to a human, customer service representatives are available at 888.244.6622.
If you live in Arizona, the National Bank of Arizona could be all you need for all of your personal finance needs. It is a full-service and high-tech banking business, but it also spends much of its creative energies in innovations that build the Arizona economy. The leaders of the National Bank of Arizona believe in investing in their local communities and building trust by using astute lending practices, encouraging employee volunteerism, and supporting Arizona's causes and financial health.
Along with a sense of community, the bank offers a full array of banking products positioned competitively with larger, chain banks. Certificates of deposit, credit cards and home equity loans get high ratings from bank review websites. This, coupled with the bank’s ability to keep up with the latest in financial institution technology such as online and mobile banking, makes it a powerful, yet intimate, institution.
Information obtained from banking review sites does indicate some account holders are unhappy that all the bank's checking accounts require a certain balance or monthly deposits to waive monthly fees. Although the fees are small, ranging from $5 to $20 for premier accounts, fees can be annoying and add up quickly before the customer becomes aware they've been imposed.
The National Bank of Arizona takes pride in setting industry standards in the state. Their goal is to keep on the cutting edge of banking technology and products while keeping the trust of their customers who love the small town community feel of their local branch.