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 Fee None
EFTPOS Withdrawal $0.50
Other Bank ATM Transaction Fee $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: Includes cash withdrawals and external transfers.   

Monthly Base Fee: Fee is only charged if end of month account balance is less than $500.

Fees are subject to change.

Overdraft Facility Rates
Personal Interest Rate Range 11.95% p.a. - 21.95% p.a.
NBS Business Interest Rates start from 11.95% p.a.
NBS Rural Interest Rates start from 11.95% p.a.

Rates shown are for new approvals from 10th August 2022. Rates for clients with existing overdrafts will take effect from 12th September 2022. All rates are subject to change.

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 $25.00
Rates Arrears Payment $25.00
Motor Vehicle Security Variation/Security Swap Fee $30.00

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.