faqs

Routing number: 092901625

• Do not give or disclose any part of your online user ID and password to anyone.
  • Bank employees will request your user ID when accessing your account profile, but should never ask for your password.
• Do not have your account information out in an open area accessible and easily viewable by others.
• Do not send your user ID and Password or account information over any public or general email system.
• Do not release any personal information on the phone, in the mail, or over the internet unless you initiate the contact or are certain you know whom you’re dealing with.
• Contact us immediately if there are charges on your account you don’t recognize.
• Make sure to completely log out on Online Banking or the Mobile App when you are finished.

Contact your NAB representative or visit a bank location. Visa debit cards are only issued if requested and are available on checking accounts only and can be used at any merchant that accepts Visa transactions or at any ATM. Your Visa debit card will have an EMV chip and your name printed on the card.

ATM cards are available upon request for Checking and Savings accounts and can be used at any ATM. ATM cards cannot be used to make purchases with merchants. ATM cards do not expire and will not have your name printed on them.

Customers can have one (1) Visa debit card and one (1) ATM card issued per account.

Cards are mailed USPS bulk mail and should arrive 7-10 business days after ordered. They come in a plain envelope, so check your mail carefully. PINs are mailed separately in perforated mailers and may or may not arrive on the same day as your card.

To activate your Visa debit card:

1. Follow the instructions listed on the sticker attached to the Visa debit card, or;
2. Visit an ATM and make a transaction, such as a balance inquiry, with your card and your provided PIN number, or;
3. Call our TeleBanking line at 866-770-0507 and select option 5 for Card Services and option 1 to Activate a Card, or;
4. Login to Online Banking to activate card.

ATM cards are issued instantly by the branches. If you receive your ATM card in person, our staff will have you call the TeleBanking line and follow the instructions above. If you receive your ATM card via mail, you can follow the TeleBanking instructions above.

Your card must be activated within 45 days of issuance. If you don’t activate your card within this timeframe, you will need to contact your NAB branch to request a new card and may include a fee.

You can change your PIN on your Visa debit card and ATM card at any time by calling TeleBanking at 866-770-0507 and selecting option 5 for Card Services and then option 3 to Change a debit card PIN. Follow the prompts on the phone system. Your new PIN will go into effect immediately.

You can also change your PIN at an ATM if you have the previous ATM number.

If you have not received your new Visa debit card and PIN or your ATM card within two weeks after you ordered it, contact us to verify that the card was mailed to the correct address.

If the address in our system is not correct, you will first need to send in a Change of Address Request before a new card is ordered. The bank will research other reasons why the card may not have been delivered. A new card will be ordered for you at no charge.

Your Visa debit card has a point-of-sale (POS) purchase limit of $1,500.00 and a $500.00 ATM withdrawal limit per day. Your NAB ATM card has a $500.00 ATM withdrawal limit per day. Weekends (Friday, Saturday, and Sunday) constitutes one day, and the daily limits cover the whole weekend.

To request a temporary increase of your purchase and/or ATM withdrawal limit, contact us. The increase is valid for one day and your card limits will be reset to the default limits the next business day. The temporary limit increases are dependent on the available balance on your account and cannot exceed this amount. Maximum temporary limit for POS purchases is $5,000.00 and $1,000.00 for ATM withdrawals.

• Text messages from the Fraud Center will be sent from *96923*.
• You may respond directly to the text message or email to verify your transactions.
• If you miss their call, you can contact the Fraud Center at 855-293-2456. A representative will verify your identity and review the recent transactions that prompted the fraud alert.

If you’re enrolled in Online Banking, you can add travel notices directly to your account at your own convenience. This is the preferred method since it provides the most flexibility to add these notes as they may occur outside of branch operating hours.

If you don’t have access to Online Banking, contact us before you travel and provide information on when and where you will be traveling.

NAB Visa debit cards are restricted to usage only in the United States and Canada and transactions made outside the United States or Canada, including purchases made online, must be unblocked before the transaction is performed.

Your travel notes will be added to your card to alert the Fraud Center about the transactions outside your standard pattern. This does not guarantee your card will not be restricted, but it does reduce the chances. When traveling, it is a best practice to always have another way to access funds in case your card is restricted, lost or stolen.

Generally, card charges at POS terminals will debit your account on the same day the transaction was made or the next business day. Merchants where you have given written authorization to debit your Visa debit card have up to thirty (30) days to submit card transactions.

If the charge is not submitted immediately, the merchant may place a three (3) day memo-post on your account to hold the funds to cover the charge. After three (3) days, the memo-post will fall off your account, but the charge could still come through up to thirty (30) days later.

Visa debit card transactions cannot be reversed or stopped by the bank. You will need to work with the merchant who initiated the transaction to have a charge reversed. Visa debit card transactions will be paid no matter what the available balance is on your account. If the transaction posts and funds are removed from your account, you can file dispute paperwork if needed.

You should immediately contact us during business hours. If this activity is noticed over the weekend, you can restrict your card through the mobile app or you can close your card through Online Banking. The Electronic Fund Transfer Disclosure and Agreement provided to you when you opened your account will have details regarding time frames of when fraudulent transactions should be reported and liability limitations for the bank and yourself. This document can be provided to you again upon request.

After you contact NAB, a new Visa debit card will be ordered, if necessary, at no charge and you will be provided with the necessary transaction dispute paperwork. This paperwork will need to be completed and returned as soon as possible. NAB immediately starts an investigation on the reported fraudulent transactions as soon as we are notified but are unable to complete the process without receiving signed documentation from you. Continuing communication will happen until the bank completes the dispute process.

You should immediately contact us during business hours, either by phone, email or by visiting a branch location. Your recent transactions will be reviewed and, if necessary, dispute paperwork will be sent to you. A new card will be ordered, and your account will be charged a $10.00 Replacement Card Fee.

If this activity is noticed over the weekend, you can restrict your card through the mobile app or you can close your card through Online Banking. You can also report your card as lost/stolen by calling 800-368-8894 at any time day or night. If you restrict your card, you will need to contact the bank during business hours to complete the process of getting a new card ordered.

A new Visa debit card is automatically ordered for you, at no charge, the first Tuesday of the month that your card expires in and will arrive during the month of expiration. Your existing card will work until the last day of the month of expiration.

Make sure your address is current with the bank before your card expires so that your card is delivered to you without delay. If you do not receive your new debit card by the 20^th of the month, please contact us to request a new card.

ATM cards do not expire.

Online Banking User ID: Our security policy does allow our staff to provide Online Banking IDs over the phone or via email. Branch staff can confirm an Online Banking ID if a customer provides it. You can visit your local branch, provide identification to a member of staff, and receive your Online Banking ID in person, if possible.

If you’ve forgotten your Online Banking ID and are unable to visit a branch, your Online Banking profile can be deleted. Once the old profile is deleted from the system, Bill Pay and eStatement services are stopped. 24 hours after a new eBanking profile is created, you can enroll in Bill Pay and eStatement services again.

Password: You can reset your password by selecting the ‘Forgot Password’ link that is on the page after you have entered your username. You will be prompted to enter your username, the email address that is on file with the bank and an email subject line of your choice. You will then receive an email from [email protected], showing the subject line you chose, with a hyperlink. This link will expire in two (2) hours from the time it was sent. After you click the link, you will be prompted to create a new password. After you confirm your new password, select the Continue button to complete the process.

If you are sure that you have not mistyped your Online Banking ID or password, make sure that your CAPS lock button is not selected. Also, review your computer’s saved password settings. A strong internet or Wi-Fi connection is also needed to access Online Banking. You have three (3) attempts at logging in before the system will lock you out.

If you get locked out, contact us during office hours to request your Online Banking ID get unlocked. You can also request your password be reset as well.

After you have completed your Online Banking enrollment, you are able to enroll in eStatements. The Online Banking User Guide(opens in new tab) provides step-by-step instructions for setting up eStatements (see page 80 in User Guide). Your eStatement enrollment is complete when you receive a verification email. Contact us if errors occur, or the confirmation email does not arrive.

You can set up and stop delivery of eStatements at any time. After enrolling in eStatements, previously mailed statements will not be available online. You will receive an email notification when a new eStatement is ready to be viewed in Online or Business eBanking. The Online Banking platform will hold a rolling 24 months of eStatements. You can view them in the Online Banking platform or download the statement to your computer as a PDF.

Requesting electronic copies of statements that have previously been mailed to you will result in a fee being charged per statement. Review the Fee Schedule provided to you at account opening or visit our Policies and Disclosures page to view the Fee Schedule(opens in new tab) at any time.

The last ninety (90) days of transaction history is available in the Online Banking platform. This information can be downloaded and saved to your computer or accounting software. The available download formats for your transaction history are Open Financial Exchange (OFX), Intuit QuickBooks (IIF), Personal Finance (QIF), Spreadsheet (CSV) and Word Processing (TXT).

As a security measure, the app will automatically log you out after a set time of inactivity. This helps prevent any theft of your banking information from your phone. Your account will be locked after five (5) unsuccessful login attempts.

After your checking or savings account has been opened for thirty (30) days, you are able to enroll for mobile deposit through the mobile app. Your account must also have a positive balance, and your email and mailing addresses must be kept up to date with the bank.

Currently, NAB does not have deposit limitations. NAB will review any deposited check over $2,500.00 and any checks over the first five (5) deposited in a single day. Deposits made before 4:00 PM Mountain Standard Time (MST) will be processed the same day and the funds available the following day. Any deposit made after 4:00 PM MST will be processed the following business day and the funds available the day after that.

All deposited checks via the mobile app must have the following endorsements, if not the check(s) will be denied:

• Personal accounts: signature, account number, write remote deposit only on check or check the mobile deposit box
• Business accounts: signature, business name, account number, write remote deposit only or check the mobile deposit box

US Treasury checks are not allowed to be deposited to your account using the mobile app due to high cases of fraud regarding these checks. US Treasury checks can be deposited at a NAB ATM or at your local branch if brought in or mailed to the branch. To set up direct deposit for US Treasury checks and payments, you can find instructions at www.irs.gov(opens in new tab).

A check deposit made through the mobile app may get declined for review for the following reasons:

• The amount entered and the amount on the check do not match
• The check is not made payable to an owner of the deposit account
• The check was not endorsed as instructed by the mobile app
• The check is drawn from an international bank or is in non-US currency
• The check is drawn or issued by the US Treasury Department
• The item appears to have been altered from the original

It is a best practice to keep the check for at least seven (7) days to ensure that the check does not get returned for any reason. After that time, you should mark it as ‘Void’ and properly dispose of the check to ensure it is not presented for deposit again.

If a check deposited through the mobile app is returned, the account the check was deposited to will be debited the amount of the check. Your agreement to the Remote Deposit Services Addendum indemnifies NAB for any loss we may incur as a result of any remote deposit you initiate.

You must notify us as soon as possible and no later than 60 days after you receive the first statement on which the issue or error appeared. All deposits made through the mobile app will be deemed correct unless you notify us of any errors to your deposits.

We have the right to suspend or terminate your mobile deposit access at any time if you or your account(s) do not meet our eligibility requirements or if you violate the terms and conditions of the Remote Deposit Services Addendum, Online Banking Agreement or Account Agreement.

Please contact NAB as soon as possible so we can take steps to protect your account from unauthorized activity. You can call us at 800-368-8894.

Certified Community Development Entities (CDEs) like Native American Bank, apply to the Community Development Financial Institution (CDFI) Fund for tax credit allocation authority.  

CDEs act as a financial intermediary through which private capital flows from an investor to a qualified project. Investors acquire the rights to the tax credit inventive, and these proceeds are combined with other project funds and typically structured as low interest rate, convertible loans to fund into qualifying businesses or commercial real estate developments through what is most commonly referred to as a “leverage structure”. Please note, allocation does not translate dollar to dollar for funding that goes into a project. Allocation represents a total project size that is supported. 

Tax Credit Investors make an upfront payment to receive tax credits equal to 39% of their total investment, distributed over seven years. The equity from the tax credit investment provides a subsidy to the project typically equity to ~20% of the total project costs net of transaction costs and present value discount of the tax credit sale. 

NMTC can attract private capital into underinvested areas, fill financing gaps, and provide upfront funding for eligible projects. It can also be combined with other funding sources like Historic Tax Credits, private or public grants, and conventional financing. 

The net benefit from the tax credit sale proceeds are structured as a low-cost loan, which upon completion of the 7-year compliance period are forgiven in practice, resulting in capital that does not need to be repaid.  

For a project to qualify for NMTC financing, the physical location of the project must sit in an NMTC-qualified census tract. You can check to see if your project qualifies here.(opens in new tab)  

Also, the underlying project must not be a prohibited business, which includes: 

• Massage parlors
• Gaming facilities
• Liquor stores 
• Racetracks 
• Tanning facilities 
• Golf courses 
• Some agricultural businesses 

The timeline to receive NMTC financing varies for each transaction. CDEs will look for projects that are shovel ready, and we highly recommend engaging a NMTC consultant to guide you through the process.  

Once all CDEs have been engaged and an investor and allocations are committed, the closing process itself generally takes 8-12 weeks. 

Projects are often several years in the making. Early outreach to CDEs is encouraged, including sharing upcoming projects that may be a year or two away from ground-breaking.   

NAB is happy to discuss project eligibility and timelines at any stage. 

After receiving NMTC financing, the project must stay within the designated low-income census tract and must continue to operate for seven years.  

QALICBs will also have reporting requirements to CDEs and investors, but these requirements will vary and may include financial reporting and community impact assessments.