Personal Cheque Accounts - NBS

Take control of your day-to-day banking

Access your funds via NBS Internet Banking, the NBS Mobile Banking app or in branch.
Dual authorisations for those who require more than one person to authorise transactions electronically.
Enjoy the convenience of an NBS Debit Mastercard.
Set up automatic payments and direct debits.
No transactional account fees.
This account is eligible as part of the Depositor Compensation Scheme (DCS). Learn what other NBS accounts are eligible.

NBS Cheque interest rates – community
Interest paid on credit balances under $5,000	0.00% p.a.
Interest paid on credit balances between $5,000 and $50,000	0.10% p.a.
Interest paid on credit balances over $50,000	0.10% p.a.
Interest rates are subject to change.

NBS overdraft facility interest rates
NBS Personal Banking interest rate	7.49% p.a.
NBS Business Banking interest rate	from 10.49% p.a.
NBS Rural Banking interest rate	from 10.49% p.a.
Interest rates are subject to change.

NBS overdraft fees
Overdraft establishment fee - arranged	$100.00
Overdraft facility fee (service commitment)	0.13% of the limit per month (minimum charge $5.00)
Unarranged excess fee	$25.00
Default interest rate	15.50% p.a. above annual interest rate
Default administration fee	$45.00 per event
Insurance arrears payment fee	$25.00
Rates arrears payment fee	$25.00
Motor vehicle security variation or security swap fee	$30.00
Fees are subject to change.