Personal Accounts

Cheque Account

Take control of your day-to-day banking.


NBS Client - Allan

Take control of your day-to-day banking.

  • Access your funds via NBS Internet banking, the NBS Mobile 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 salary, wages or NZ Super.

Rates & Fees

NBS Cheque Interest Rates - Personal
Interest paid on credit balances over $10,000 0.05% p.a.

Interest Rates are subject to change.

NBS Cheque Fees
Monthly base fee $15.00
NBS Mobile and Internet Banking fees None
EFTPOS withdrawal $0.50
Other Bank ATM Transaction fees $1.50
Electronic Transactions $0.20
Manual Transactions $0.50

Electronic transactions: include automatic payments, bill payments, one-off payments, direct debits, direct credits, and Internet Banking transfers.

Manual transactions: include cash withdrawals and external transfers.   

Fees are subject to change.

Overdraft Facility Rates
Personal Interest rate range 10.00% p.a. - 16.00% p.a.
NBS Business interest rates start from 9.95% p.a.
NBS Rural interest rates start from 9.95% p.a.

Interest rates are subject to change.

Overdraft Fees
Overdraft Establishment Fees 1.00% (minimum charge $25.00)
Overdraft Facility Fee (Arranged)  0.13% (minimum charge $5.00) of the limit
Overdraft Facility Fee (Unarranged) 0.25% (minimum charge $20.00) of the highest daily limit
Default Interest Rate 10.00% p.a. above annual interest rate
Default Administration Fee $25.00
Unarranged Excess Fee $25.00
Dishonour Fee $30.00
Insurance Arrears Payment $15.00
Rates Arrears Payment $25.00
Motor Vehicle Security Variation/Security Swap Fee $30.00
Duplicate Statement Fee $15.00

Fees are subject to change.

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.