# Personal and Business Banking in New Zealand | NBS

NBS - Nelson Building Society - offers a range of banking and financial services, including home loans, KiwiSaver, term investments, business accounts, loans, and finance.

## Personal Banking

### Personal Accounts
- [Personal accounts](https://www.nbs.co.nz/personal): Overview of personal banking options available at NBS.
- [NBS Cheque Account](https://www.nbs.co.nz/personal/accounts/cheque-account): A standard cheque account for everyday banking needs.
- [NBS Access Account](https://www.nbs.co.nz/personal/accounts/access-account): An account designed for easy access to funds.
- [NBS Call Account](https://www.nbs.co.nz/personal/accounts/call-saver-account): A savings account with flexible access to funds.
- [NBS Target Saver Account](https://www.nbs.co.nz/personal/accounts/target-savings-account): A high-interest savings account aimed at helping customers save for specific goals.
- [NBS Debit Mastercard](https://www.nbs.co.nz/nbs-debit-mastercard): A debit card linked to personal accounts for convenient transactions.

### Home Loans
- [Home loans](https://www.nbs.co.nz/personal/home-loans): Information on various home loan products offered by NBS.
- [Home loan options](https://www.nbs.co.nz/personal/home-loans/home-loan-options): A guide to different types of home loans available.
- [NBS Residential Term Loan](https://www.nbs.co.nz/personal/home-loans/home-loan-options/residential-term): A standard home loan for purchasing residential properties.
- [NBS Build Loan](https://www.nbs.co.nz/personal/home-loans/home-loan-options/build-loan): A loan specifically for financing home construction.
- [NBS Flexi Loan](https://www.nbs.co.nz/personal/home-loans/home-loan-options/flexi-loan): A flexible home loan option with varied repayment terms.
- [NBS Residential Redraw](https://www.nbs.co.nz/personal/home-loans/home-loan-options/residential-redraw): A feature allowing borrowers to access extra repayments made on their home loan.
- [NBS Interest Only Loan](https://www.nbs.co.nz/personal/home-loans/home-loan-options/interest-only): A loan option where only interest is paid for a specified period.
- [NBS First Home Loan](https://www.nbs.co.nz/personal/home-loans/home-loan-options/first-home-loan): A loan designed for first-time home buyers.
- [Managing your home loan](https://www.nbs.co.nz/personal/home-loans/managing-your-home-loan): Resources and tips for effectively managing home loans.
- [Home buyers' guide](https://www.nbs.co.nz/personal/home-loans/home-buyers-guide): A comprehensive guide for prospective home buyers.

### Personal Loans
- [Personal loans](https://www.nbs.co.nz/personal/personal-loan): Overview of personal loan options available for various needs.

### Investments
- [Investments](https://www.nbs.co.nz/personal/investments): Information on investment products offered by NBS.
- [NBS Term Investments](https://www.nbs.co.nz/personal/investments/term-investments): Fixed-term investment options for secure returns.
- [KiwiSaver](https://www.nbs.co.nz/personal/investments/kiwi-saver): A retirement savings scheme to help New Zealanders save for retirement.

### Insurance
- [Insurance](https://www.nbs.co.nz/personal/insurance): Overview of insurance products available through NBS.

### International Services
- [International services](https://www.nbs.co.nz/personal/international-services): Banking services available for international transactions.

## Business Banking

### Business Accounts
- [Business accounts](https://www.nbs.co.nz/business): Overview of banking options for businesses.
- [NBS Business Cheque Account](https://www.nbs.co.nz/business/business-accounts/business-cheque): A cheque account tailored for business transactions.
- [NBS Business Call Account](https://www.nbs.co.nz/business/business-accounts/business-call): A business savings account with flexible access.

### Loans and Finance
- [Loans and finance](https://www.nbs.co.nz/business/loans-and-finance): Information on financing options for businesses.
- [NBS Business Term Loan](https://www.nbs.co.nz/business/loans-and-finance/business-term): A standard loan for business financing needs.
- [NBS Business Flexi Loan](https://www.nbs.co.nz/business/loans-and-finance/business-flexi): A flexible loan option for businesses.
- [NBS Interest Only Loan](https://www.nbs.co.nz/business/loans-and-finance/interest-only): A loan option for businesses where only interest is paid initially.
- [NBS Business Redraw Loan](https://www.nbs.co.nz/business/loans-and-finance/business-redraw): A feature allowing businesses to access extra repayments made on their loan.
- [NBS Overdraft Facility](https://www.nbs.co.nz/business/loans-and-finance/overdraft-facility): An overdraft service for businesses to manage cash flow.

### Agribusiness
- [Agribusiness](https://www.nbs.co.nz/business/agribusiness): Banking services tailored for the agricultural sector.

### Community Banking
- [Community banking](https://www.nbs.co.nz/community/community-banking): NBS's commitment to supporting local communities.
- [NBS Community Boost](https://www.nbs.co.nz/community/community-boost): Initiatives aimed at enhancing community welfare.

## Additional Resources

### Ways to Bank
- [Ways to bank](https://www.nbs.co.nz/about/ways-to-bank): Various methods available for banking with NBS.
- [Our branches](https://www.nbs.co.nz/about/ways-to-bank/our-branches): Locations of NBS branches.
- [Our ATMs](https://www.nbs.co.nz/about/ways-to-bank/our-atms): Locations of NBS ATMs.
- [NBS Internet Banking](https://www.nbs.co.nz/about/ways-to-bank/internet-banking): Online banking services provided by NBS.
- [NBS Mobile Banking app](https://www.nbs.co.nz/about/ways-to-bank/nbs-mobile): Mobile application for banking on the go.

### Important Information
- [Important documents and disclosures](https://www.nbs.co.nz/about/important-documents-and-disclosures): Key documents related to banking services.
- [Interest rates and fees](https://www.nbs.co.nz/interest-rates-and-fees): Information on applicable interest rates and fees for various products.
- [Fair Conduct Programme Summary](https://www.nbs.co.nz/about/fair-conduct-programme-summary): Overview of NBS's commitment to fair banking practices.
- [Depositor Compensation Scheme](https://www.nbs.co.nz/about/depositor-compensation-scheme): Information on the compensation scheme for depositors.

### Help and Support
- [Help](https://www.nbs.co.nz/help): Resources for customer support.
- [Financial hardship](https://www.nbs.co.nz/help/financial-hardship): Assistance available for customers facing financial difficulties.
- [Frauds and scams](https://www.nbs.co.nz/help/frauds-and-scams): Information on how to protect against fraud.
- [Online safety](https://www.nbs.co.nz/help/frauds-and-scams/online-safety): Tips for safe online banking.
- [Spot a scam](https://www.nbs.co.nz/help/frauds-and-scams/spot-a-scam): Guidance on identifying potential scams.
- [Report a scam](https://www.nbs.co.nz/help/frauds-and-scams/report-a-scam): How to report suspected scams.

### Consumer Protection
- [Consumer protection](https://www.nbs.co.nz/help/consumer-protection): Information on consumer rights and protections.
- [Complaints process](https://www.nbs.co.nz/help/complaints-process): Steps for lodging complaints with NBS.
- [Unclaimed money](https://www.nbs.co.nz/help/unclaimed-money/): Information on unclaimed funds held by NBS.

### Guides
- [How to guides](https://www.nbs.co.nz/help/how-to-guides/): Practical guides for various banking processes.
- [How to set up, change or cancel direct debits](https://www.nbs.co.nz/quick-links/direct-debits): Instructions for managing direct debits.
- [Lost or stolen debit Mastercards](https://www.nbs.co.nz/help/how-to-guides/lost-or-stolen-debit-mastercards): Steps to take if a debit card is lost or stolen.

### About NBS
- [About](https://www.nbs.co.nz/about): Overview of NBS and its mission.
- [Our people](https://www.nbs.co.nz/about/our-people/): Information about the team at NBS.
- [Careers at NBS](https://www.nbs.co.nz/about/careers-at-nbs): Job opportunities and career information.

This structured summary provides a comprehensive overview of the personal and business banking services offered by NBS, along with relevant resources and support information.