Personal Accounts
NBS Cheque Account
Take control of your day-to-day banking.
Pictured: NBS Tākaka branch
Take control of your day-to-day banking
- Access your funds via NBS Internet Banking, the NBS Mobile Banking app or in branch
- Enjoy the convenience of an NBS Debit Mastercard
- Overdraft option available (subject to NBS lending criteria)
- Transactional fee exemptions may apply when depositing income
- Transactional fee exemptions apply for clients with a NBS home loan or term investment
- This account is eligible as part of the Depositor Compensation Scheme (DCS). Learn what other NBS accounts are eligible
Rates and fees
| NBS Cheque interest rates – personal | |
|---|---|
| Interest paid on credit balances under $10,000 | 0.00% p.a. |
| Interest paid on credit balances over $10,000 | 0.05% p.a. |
|
Interest rates are subject to change. |
|
| NBS personal transaction account fees | |
|---|---|
| NBS Mobile Banking app and NBS Internet Banking fee | None |
| EFTPOS withdrawal | $0.50 |
| Other bank ATM transaction fee | $1.50 |
| Automatic payment and direct debit withdrawal fee | $0.20 |
| Staff assisted transactions (includes cash withdrawals and external transfers) | $0.50 |
|
Interest rates are current as of 20 July 2026 and subject to change at any time without notice. NBS lending criteria and specific terms and conditions apply. Margins, discounts and fees may apply. For new overdrafts, rate may be subject to change prior to drawdown. * Effective rate for new clients from 20 July 2026. Effective rate for existing clients from 26 August 2026. |
|
| NBS overdraft facility interest rates | |
|---|---|
| NBS Personal Banking interest rate | 7.74% p.a. |
| NBS Business Banking interest rate | from 10.74% p.a. |
| NBS Rural Banking interest rate | from 10.74% 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 |
|
Interest rates are current as of 20 July 2026 and subject to change at any time without notice. NBS lending criteria and specific terms and conditions apply. Margins, discounts and fees may apply. For new overdrafts, rate may be subject to change prior to drawdown. * Effective rate for new clients from 20 July 2026. Effective rate for existing clients from 26 August 2026. |
|
Terms and Conditions
NBS General Terms and Conditions apply. NBS’ current Product Disclosure Statement is available free of charge at any NBS branch. Service fees may apply.