National Bank of Arizona

What National Bank of Arizona does

National Bank of Arizona is a regional community bank operating as a division of Zions Bancorporation, N.A. (NASDAQ: ZION), founded in 1984 and headquartered in Phoenix, Arizona. The bank delivers full-service retail and commercial banking to individual consumers, small and mid-sized businesses, military personnel, seniors, and wealth management clients, with a stated focus of serving Arizona residents across a multi-branch network combined with digital channels. Product offerings span six personal checking tiers (Anytime, Gold, Military Advantage, Senior Advantage, OnBudget, Premier), savings and money market products, unsecured and secured personal loans, RV and auto loans, a full mortgage suite (FHA, VA, conventional, jumbo, construction, HELOC), and a seven-card credit card portfolio ranging from secured (Launch Secured) to premium (Elite, Reserve).

Revenue is generated through a traditional banking model: net interest income on lending products (mortgages, HELOC, auto, personal, commercial), deposit account fees (overdraft, maintenance, check reordering), credit card interchange and interest, mortgage origination and servicing fees, and ancillary services such as foreign currency exchange. Distribution operates through physical branches across Arizona, a digital banking platform (online and mobile app), a dedicated Treasury Gateway for corporate treasury operations, a mortgage lending portal, and a phone-based customer service center. Marketing emphasizes financial education via the Financial Cents podcast and Cash Coach blog alongside direct branch-based relationship management.

Strategic positioning is anchored in 17 consecutive years ranked Arizona's No. 1 Bank, sustained community reinvestment (approximately $1.3M given back in 2023, 3.7K volunteer hours, $87K pledged to United Way), and cross-sell between core banking and Zions Wealth advisory services. Operationally the bank is Member FDIC (NMLS 467014), with leadership under President and CEO Mark R. Young and EVP of Human Resources Dianne James.

Name

National Bank of Arizona

Legal name

Zions Bancorporation, N.A.

Website

https://nbarizona.com

Company type

Public

Founded year

1984

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

National Bank of Arizona is a regional community bank and division of Zions Bancorporation (NASDAQ: ZION) that delivers full-service retail, small business, mortgage, credit card, and wealth management banking to consumers and businesses across Arizona through branch and digital channels.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (52211)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

Credit Cards & Revolving Credit (FSABAAAC), Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE)

Keywords

• Community banking services
• Retail banking products
• Mortgage lending
• Consumer credit cards
• Small business banking

Headquarters

HQ city

Phoenix

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Interest Income: Interest earned on loans including mortgages, home equity lines, auto loans, personal loans, and commercial lending products
2. Deposit Account Fees: Fees from checking and savings accounts including overdraft fees, check reordering, and account maintenance
3. Credit Card Revenue: Interchange fees, annual fees, and interest from credit card products including multiple tiers from secured to premium cards
4. Mortgage Banking: Origination fees and servicing revenue from home loan products including FHA, VA, conventional, and jumbo mortgages
5. Foreign Currency Services: Exchange fees and margins on foreign currency transactions for traveling customers

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels6 records

Core offering

National Bank of Arizona is an Arizona-focused community bank providing a full suite of consumer and commercial banking products, including tiered personal checking and savings accounts, IRAs and CDs, personal and home equity loans, residential mortgages, and multiple credit card variants. Banking services are delivered through a physical branch network supplemented by digital banking channels (online, mobile, Zelle, digital wire transfers) and a dedicated Treasury Gateway for business clients, with the institution functioning as a division of Zions Bancorporation, N.A.

Product overview

National Bank of Arizona is a regional bank offering a comprehensive suite of personal banking products and services. The portfolio includes multiple checking account options (Anytime Checking, Gold Account, Military Advantage Checking, Senior Advantage Checking, OnBudget Banking, Premier Checking) and savings products (Personal Savings, Money Market, IRA Money Market, Young Savers, IRA CD, Certificates of Deposit). Lending offerings span personal loans (Auto Loans, Personal Unsecured Loans, Personal Lines of Credit, Personal Secured Loans, RV Loans) and home loans (Affordable Home Loan, Fixed Rate Mortgage, Adjustable Rate Mortgage, FHA Mortgages, VA Mortgage Loan, Home Equity Line of Credit, Jumbo Loan, Construction Loan). The bank also issues seven credit card variants (Agility Cash, Clarity, Vivid Rewards, Launch Secured, Premier, Elite, Reserve) and provides digital banking services including Online Banking, Mobile Banking, Bill Pay, Zelle, Credit Score monitoring, Digital Wire Transfers, Digital Wallet, and eDocuments. A division of Zions Bancorporation, N.A., Member FDIC.

Differentiator

Problem solved

Functional benefit

Products and services

• Anytime Checking Basic personal checking account offering flexible access to funds with standard banking features for everyday consumer banking customers.
• Gold Account Premium checking account providing elevated features, curated service, and premium benefits for customers seeking an enhanced banking experience.
• Military Advantage Checking Checking account tailored for active duty military personnel and veterans, with benefits designed around military banking needs.
• Senior Advantage Checking Checking account designed for senior customers with features and services suited to their banking requirements.
• OnBudget Banking Budget-focused personal banking service helping customers manage finances and stay on budget.
• Premier Checking Premium-tier personal checking account offering enhanced features and priority services for valued customers.
• Personal Savings Accounts Basic savings accounts helping customers save money and earn interest on deposits.
• Money Market Savings Savings account offering competitive interest rates with limited check-writing capabilities.
• IRA Money Market Individual Retirement Account money market savings vehicle with tax-advantaged retirement savings.
• Young Savers Savings account designed for young savers, encouraging financial habits from an early age.
• IRA CD Individual Retirement Account certificate of deposit with fixed rates and tax-advantaged retirement savings.
• Certificates of Deposit Time deposits with fixed terms and guaranteed returns for customers seeking stable growth.
• Auto Loan Financing solution for purchasing new or used vehicles with competitive rates.
• Personal Unsecured Loan Unsecured personal loan based on creditworthiness for various personal needs.
• Personal Line of Credit Revolving credit facility allowing access to funds as needed up to a set limit.
• Personal Secured Loans Loans backed by collateral such as savings or CDs, offering potentially lower rates.
• RV Loans Specialized financing for recreational vehicles including motorhomes and travel trailers.
• Affordable Home Loan Mortgage product designed to help borrowers achieve homeownership with accessible terms.
• Fixed Rate Mortgage Home loan with an interest rate that remains constant throughout the loan term, providing payment stability.
• Adjustable Rate Mortgage Mortgage with interest rates that can change periodically based on market conditions.
• FHA Mortgages Federal Housing Administration insured mortgages with lower down payment requirements.
• VA Mortgage Loan Veterans Affairs backed home loans available to eligible veterans with favorable terms.
• Home Equity Line of Credit Revolving credit line secured by home equity, allowing homeowners to borrow against their property value.
• Jumbo Loan Mortgage exceeding conforming loan limits for higher-value properties.
• Construction Loan Short-term financing for building new homes or major home renovations.
• Agility Cash Credit Card Credit card offering cash back rewards and flexible spending options.
• Clarity Credit Card Credit card designed for everyday purchases with clear terms and benefits.
• Vivid Rewards Credit Card Credit card with a reward points program for various spending categories.
• Launch Secured Card Secured credit card helping individuals build or rebuild credit history.
• Premier Credit Card Premium credit card with enhanced benefits, rewards, and travel perks.
• Elite Credit Card Elite-tier credit card offering premium benefits and exclusive services.
• Reserve Credit Card High-end credit card with reserve-level benefits and luxury perks.
• Online Banking Web-based banking platform for managing accounts, viewing transactions, and conducting banking services online.
• Mobile Banking Smartphone application enabling banking services on mobile devices with anytime, anywhere access.
• Bill Pay Electronic bill payment service allowing customers to pay bills to third parties conveniently.
• Digital Wire Transfers Electronic funds transfer service for sending money domestically and internationally.
• Personal Direct Connect Direct connection service for integrating personal bank accounts with external financial software.
• Digital Wallet Contactless payment solution stored on mobile devices for secure in-store and online purchases.
• eDocuments Electronic document delivery and storage service for bank statements and notices.
• Credit Score Monitoring Free credit score monitoring service powered by SavvyMoney for tracking credit health.
• Zelle Person-to-Person Transfers Peer-to-peer money transfer service allowing customers to send money to people they know and trust through the bank's digital banking platform.
• Treasury Gateway Business Platform Business digital banking platform for corporate treasury operations including wire transfers and cash management.
• Foreign Currency Services Foreign currency exchange service providing foreign banknotes and related travel currency products to consumer and business customers.

Segments6 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature4 records

Partnerships

One partnership is on record.

• Zions Bancorporation, N.A.coreOthersNational Bank of Arizona operates as a division of Zions Bancorporation, N.A., providing backing, regulatory oversight, and corporate resources. Parent company provides capital, compliance infrastructure, and brand framework.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Bell Bank: Employee-owned regional community bank operating across multiple U.S. states with consumer, business, and mortgage banking. Comparable by community-bank model, relationship-based sales motion, and full-service product offering.
• Western Alliance Bancorporation: Phoenix-headquartered regional bank holding company operating commercial and consumer banking across the Western U.S., including a major Arizona franchise. Closely comparable by geography, product breadth, and target customer mix.
• Pinnacle Financial Partners: Regional bank holding company operating in the Southeast U.S. with full-service consumer and commercial banking including wealth management. Comparable by community-bank positioning, local decision-making, and SMB focus.
• MidFirst Bank: Large privately-held regional bank with significant Arizona presence, offering consumer and commercial banking, mortgages, and wealth services. Comparable by Arizona footprint, community banking model, and full product suite.
• FirstBank (Arizona): Community-focused regional bank with deep Arizona branch presence, offering consumer and business banking products. Directly comparable by Arizona geography, relationship-based model, and small-to-mid business banking focus.

Broad incumbents

• U.S. Bank: Large U.S. commercial and consumer bank with material Arizona branch network, offering comparable deposit, lending, and wealth products. Functions as a broad incumbent peer in the same regional market.
• Wells Fargo: Major U.S. bank with extensive Arizona retail, mortgage, and commercial banking operations. Competes head-to-head with NB|AZ across consumer and SMB segments in Phoenix.
• Bank of America: National bank with significant Arizona retail and commercial presence, offering the same core products as NB|AZ (checking, mortgages, credit cards, wealth). A scale competitor in the same Phoenix metro.
• Comerica Bank: Mid-size U.S. commercial bank with retail, small business, and wealth management offerings. Comparable to NB|AZ on business banking and treasury services focus, though operating in different geographies.
• JPMorgan Chase Bank: Largest U.S. bank with major retail and commercial banking presence in Arizona through Chase branches. Overlaps with NB|AZ on checking, savings, mortgages, credit cards, and business banking, but at far greater national scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/nbazinteractive
• YouTubeyoutube.com/channel/UCddXDHJgaq3InDfcyKWufRQ
• Facebookfacebook.com/nationalbankofarizona
• LinkedInlinkedin.com/company/national-bank-of-arizona
• Instagraminstagram.com/nationalbankofarizona

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about National Bank of Arizona