Personal Accounts
Cheque Account
Take control of your day-to-day banking.
NBS Client - Allan
- 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.