Native American Bank


Native American Bank
Native American Bank


Native American Bank

Our Routing number is : 092901625

What can I do to keep my financial information secure?

  1. Do not give or disclose any part of your 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.

  2. Do not have your account information, including your computer screen, out in an open area accessible by others.

  3. Do not send your user ID and Password or account information over any public or general email system.

  4. 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.

  5. Contact us immediately if there are charges on your account you don’t recognize.

  6. Make sure to completely log out on Online eBanking or the Mobile App when you are finished.

Debit and ATM Card

How can I get a Debit Card for my account?

Contact your NAB representative or visit a bank location. Visa debit cards are available on Checking account only and can be used at any merchant that accepts Visa transactions or at any ATM.

How can I get an ATM card for my account?

Contact your NAB representative or visit a bank location. ATM cards are available on Checking and Savings accounts and can be used at any ATM. ATM cards cannot be used to make purchases with merchants.

When should I expect to receive my new VISA Debit Card and PIN?

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.

How do I activate my new Visa Debit Card?

Go to a merchant or ATM and make a transaction (such as a purchase or balance inquiry) with your card and PIN per the activation sticker on the card. Activation can only be done physically at a terminal or ATM and not via internet purchases, Online eBanking or TeleBanking.

How do I activate my new ATM Card?

ATM cards are issued instantly in person and are activated when a PIN is set at the bank.

Will I receive a new ATM Card with my name on it?

No. The card you receive at the bank when issued is the only one you will get.

What do I do if I did not receive my new Debit Card and PIN?

If you have not received your new card and PIN after two weeks, contact your NAB representative. Verify that the card was mailed to the correct address. If not, you will need to make a Change of Address Request and order a new card. The undelivered card will be deactivated.

How much can I spend on purchases each day?

The default limit for purchases is $1,500 per day. The weekend constitutes one day so you can spend up to $1,500 over the weekend.

How much can I withdraw from the ATM?

The default limit for ATM withdrawals is $500 per day. The weekend constitutes one day so you can withdraw up to $500 over the weekend.

What if I need to spend or withdraw more than the default limits?

Contact your NAB Representative and request a temporary increase. The increase is only good for that day and will be reset to the default limits the next business day. The maximum temporary limits are $5,000 for purchases and $1,000 for ATM withdrawals based upon the current availability in your account.

Why did my card get restricted?

Based upon your history of purchases, the VISA network found a pattern of activity they may be fraudulent. The card is restricted for your protection until confirmation can be made that recent activity is yours.

What happens when my card gets restricted?

The Fraud Center will attempt to contact you by calling, text, and/or email. Make sure your contact information is up to date with the bank so that the Fraud Center can contact you in the event of a card restriction and address any issues immediately.

What do I do if my card gets restricted?

Contact the Fraud Center at 1.800.237.8990 at any time. They will ask some questions regarding your recently activity and if no fraud is detected, your card will be reactivated. If fraud is detected, contact your NAB Representative as soon as possible.

How can I prevent my card from being restricted?

Contact the bank when you travel or plan to do any card activity outside of your normal expenditures. This does not guarantee your card will not be restricted, but does reduce the chances.

When traveling, always have another access to funds just in case your card is restricted, lost or stolen.

What do I do if my card is lost or stolen?

Contact your NAB Representative or the Fraud Center at 1-866-546-8273 immediately to have your card restricted so that no one else can withdraw your funds. This is for your protection

What do I do if I find fraudulent card charges on my account?

Contact your NAB representative as soon as possible. If outside of business hours, contact the Fraud Center at 1-800-417-4592 to have your card restricted.

What do I do if I can’t remember my PIN or want to change my PIN?

You can call 866.770.0507 and select option 4, then option 3 to reset your Debit/ATM PIN. You can contact your NAB Representative or visit a bank location to have your PIN reset but you may be charged a $5.00 PIN Change Fee.

What do I do if I need a new card?

Contact your NAB Representative or visit a bank location to order a new or replacement card. Your first Debit Card and ATM cards and cards replaced due to being compromised are free. You may be charged a $10.00 Replacement Card Fee for other reorders.

What happens when my Debit Card expires?

A new card is automatically ordered for you at no charge when your card expires and will arrive during the month of expiration. Your old 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 there is no interruption in service due to an incorrect mailing address.

Can I put a stop payment on a card charge?

No. If a card charge is approved, it cannot be stopped. You will need to work with the merchant who you made the transaction with to have a charge reversed.

Do card charges come out of my account the same day?

Most of the time card charges will debit your account on the same or next day. Merchants, however, have up to 30 days to submit card transactions that you have authorized so it’s important to keep a register and a running balance of your account in case charges come in later than you expect.

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

Can the bank remove a card memo-post from my account?

No. You will have to work with the merchant who you made the transaction with to remove any memo-posts or wait until they fall off after three days.

Can I use my card anywhere in the world?

No. Card usage is restricted to the US and Canada. If you plan to travel to a foreign country or make a special purchase outside the US and Canada, contact your NAB Representative.

How can I avoid ATM fees?

NAB belongs to the MoneyPass network. Any ATM on this network will give you free access. Visit www.MoneyPass.com for an ATM near you.

How do I report that my card is lost or stolen?

Call 1.888.297.3416 (24/7) or your local branch during business hours.


Online eBanking – User Guide

Enrollment Instructions for eStatements
  1. Log on to Online eBanking
  2. Select the ‘ES’ tab
  3. Select which accounts should start receiving eStatements
  4. Confirm your email address and enter a security phrase that will be displayed on eStatement emails
  5. View and confirm the secure passcode
  6. Read and accept the eStatement Agreement and select ‘Enroll’
  7. Verify you have received a confirmation email at the confirmed email address

**Contact NAB if errors occur or the confirmation email does not arrive.

What are the fees for Online eBanking?

Online eBanking is free. Fees apply for Cash Manager Services.

What do I need to sign up for Online eBanking?

From the home page, click on Online eBanking. Click on Enroll. The account information Online eBanking will require you to input needs to match the information provided on your new account documents.

How soon can I start using Online eBanking?

Online eBanking access is immediately available upon completion of enrollment.

Why can’t I log into Online eBanking?

You have either mis-typed your User Name, Password or both, or you are using a Browser that is out of date. You have three (3) attempts at logging in before the system will lock you out.

I‘ve forgotten my Online eBanking password?

Contact your local branch for a password reset to the last 4-digits of your Social Security Number. Cash Manager User should contact the bank directly.

I’ve forgotten my Online eBanking username?

The bank cannot give out User Names for security purposes. You can visit your local branch, provide identification and receive your user name Online eBanking profile and you can enroll again.

Can I access my accounts from home and work?

You can access Online eBanking from any computer or mobile device as long as you enter your User name, password, and answers to your security questions correctly.

How much transaction history can I see?

Up to the last ninety (90) days of transaction history is available in Online eBanking

Can I view my business accounts?

Yes, as long as you are an authorized signer on the account.

Where can I enroll for business account access?

From the home page, click on Online eBanking. Click on Enroll. You must be an authorized signer on the business account. Enter your personal information and the business account number.

If you require Cash Management Services in addition to online eBanking access, contact your local branch.

How do I get my eStatement?

Under the ES tab in Online eBanking.

How do I send payments to individuals or other financial institutions?

Sign up and use Bill Pay, available in Online eBanking.

Am I able to access my account information using a mobile device?

Yes, by accessing our website or downloading the Mobile app.

Mobile Banking

What is mobile banking?

Mobile Banking is a way to access your bank account information from your mobile device, like a smartphone, via a secure app.

Is there a fee for mobile banking?

There is not a fee for Mobile Banking!

Is Mobile Banking Safe?

Yes. Mobile Banking is just as secure as signing in to see your accounts from your computer.

Do I have to be enrolled in online banking to be able to use mobile Banking?

Yes. The login information for Online eBanking is the same as for the mobile app.

Am I able to access my mobile banking without a user ID and Password?

No, you will have to be signed up for Native American Bank’s Online eBanking service before being able to access mobile banking.

After how many incorrect login attempts will my access to Mobile Banking be locked?

After 5 unsuccessful attempts your account will be locked.

Will my Mobile Banking session time out?

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.

Can I make a deposit with my mobile device?

Yes, you can. If your account meets the requirements for eligibility, you can deposit a check using any mobile device that has the Native American Bank mobile app loaded on it.

Can I deposit US Treasury checks using the Mobile App?

US Treasury checks are not allowed to be deposited to your account using the Mobile App due to high cases of fraud in regards to these checks. If you receive a US Treasury check, your local branch can deposit the check if you stop by the branch or mail it in, or you can deposit the US Treasury check at a NAB ATM. To set up direct deposit for US Treasury checks and payments, you can find instructions at irs.gov.

What requirements do I need to meet in order to make mobile deposits?

Your account must be open for at least thirty (30) days. You must be a subscriber to Native American Bank’s Online eBanking service. Your account must be in good standing with the bank. You must also keep your email and mailing addresses up to date.

What are the Mobile Deposit limitations?

Currently, NAB does not have deposit limitations. You can deposit as many checks, for any amount. NAB will review any check you deposit over 5 and we do review any checks for $2,500.00 or more.

What is the cutoff time for making mobile deposits?

Deposits made before 4pm Mountain Standard Time will be processed the same day as long as the transaction does not get suspended.

What can cause a mobile deposit to be suspended?

A mobile deposit can get suspended 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 with the words “remote deposit only”
  • The check is drawn off of 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
When will a suspended deposit be processed?

Items requiring review received before 4pm Mountain Standard Time will be processed the same day. Items received after 4pm will be reviewed the following business day.

How long should I keep the check after I make the mobile deposit?

It is 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 the item as “Void” and properly dispose of it to ensure it is not presented for deposit again.

Can Native American Bank shut off my Mobile Banking and Remote Deposit abilities?

Yes. Native American Bank has the right to suspend or terminate the Remote Deposit Service at any time if you or your account(s) do not meet our eligibility requirement or if you are in violation of the terms and conditions of the Remote Deposit Services Addendum, Online eBanking Agreement or Account Agreement.

What if there is an error in a mobile deposit that has been completed?

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 Remote Deposit Services will be deemed correct, unless you notify us of any errors to your deposits.

What if a deposit made via Remote Deposit gets returned?

If returned, you owe the bank the amount of the item regardless of when the item is returned uncollected. We may take the funds from your account to pay the amount you owe us, and if there are insufficient funds in your account(s), you will still owe us the remaining balance. Your also agree to indemnify us for any loss we may incur as a result of any remote deposit you initiate.

What if I believe my mobile device is lost, stolen or compromised?

You need to contact Native American Bank immediately! We can take steps to ensure that no unauthorized activity takes place on your account.