Personal Accounts
Cheque Account
Take control of your day-to-day banking.
NBS Tākaka branch
- 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.
- This account is eligible as part of the Depositor Compensation Scheme (DCS). Learn what other NBS accounts are eligible.
Rates & 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 Accounts | |
|---|---|
| NBS Mobile and Internet Banking Withdrawal 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 |
|
Fees are subject to change. |
|
| Overdraft Facility Rates | |
|---|---|
| Personal Interest Rate Range | 7.59% p.a. |
| NBS Business Interest Rates start from | 9.59% p.a. |
| NBS Rural Interest Rates start from | 9.59% p.a. |
|
Interest rates are current and 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.