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.

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.

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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.

According to standard banking health ratings, the National Bank of Arizona gets an A rating. In fact, in some categories, it scores an A+.

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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.

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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.

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.

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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.

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.

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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.

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.

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.

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.

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

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.

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.

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