I actually do not know how it works with a Nook. I will find out soon as I just ordered a refurbished Nook Color. I know that for my Sony reader that I just download from the Overdrive site using ADE (on my computer at home or one of the public use computers at my library) and than transfer the downloaded ebook to my reader. I would assume that it will work the same for the Nook. The major point being is that all is required is my library card, not a credit card and account with Amazon and the download is from Overdrive, not Amazon.