Personal Accounts
Access Account
Open one or multiple Access accounts to manage other income or expenses.
NBS Clients - Moonika and Evan
- Open one or multiple Access accounts to manage other income or expenses.
- 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 income.
- Transactional fee exemptions apply for clients with a NBS Home Loan or Term Investment.
Rates & Fees
| NBS Access Rates | |
|---|---|
| Interest paid on credit balances over $10,000 | 0.05% p.a. |
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Interest rates are subject to change. |
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| NBS Access Fees | |
|---|---|
| NBS Mobile and Internet Banking Fee | None |
| EFTPOS Withdrawal | $0.50 |
| Other Bank ATM Transaction Fee | $1.50 |
| Electronic Transactions | $0.20 |
| Staff Assisted Transactions | $0.50 |
|
Electronic transactions: Include automatic payments and direct debits. Manual transactions: Includes cash withdrawals and external transfers. Fees are subject to change. |
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| Overdraft Facility Rates | |
|---|---|
| Personal Interest Rate Range | 11.75% p.a. - 22.25% p.a. |
| NBS Business Interest Rates start from | 11.75% p.a. |
| NBS Rural Interest Rates start from | 14.00% p.a. |
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Interest rates are current and subject to change. Effective for new Variable Rate based lending facilities from 4 September 2024. Effective for existing Variable Rate based lending facilities from 17 October 2024. |
|
| 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 |
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Fees are subject to change. |
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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.