In accordance with one embodiment of the invention, a nonvolatile memory array is encased in a P-tank, and the P-tank encased in a deep N-tank, the two tanks separating the memory array from the substrate and from the other circuitry of the integrated memory circuit. The deep N-tank allows application of a negative voltage of perhaps -8 V to the P-tank encasing the memory array. Application of that negative voltage permits the cells of the memory array to be programmed with voltage pulses having a peak value of about +10 V, rather than the +18 V peak value of prior-art memory arrays. Because the external circuitry, such as the wordline driver circuit, need drive the wordlines at +10 V rather than +18 V, the invention permits construction of that external circuitry using thinner gate insulators and space-saving shorter dimensions.