NBS Access 

If you are at home in the electronic world - NBS Access is the account for you

  • Puts you firmly in control of managing your daily transactions within one account, 24/7
  • Access your funds via NBS Debit MasterCard, NBS Mobile and Lifestyle Net
  • If you already have other savings, investment or loans with NBS - ask your Personal Banker how to bank totally FREE!

No transaction fees when you use NBS ATM machines, or move money around with NBS Mobile or Lifestyle Net.
Transaction fees apply when you use another bank's ATM, and EFTPOS fees may apply.

If you are a superannuant with your superannuation being paid into this account, there are no monthly account or transaction fees charged.

 

  • A NBS Debit Mastercard for everyday access to shop, includes on-line and overseas access - rates and fee schedule
  • An overdraft - subject to NBS lending criteria

NBS Access

Interest paid on credit balances over $10,000 0.50%p.a.
Interest rates are subject to change.

NBS Access Fees

Monthly base fee with paper statements $15.00
Monthly base fee without paper statements None
NBS Mobile and Lifestyle Net fees None
EFTPOS withdrawal $0.50
Other Bank ATM Transaction fees $1.50
Manual Transactions  $3.00
Electronic transactions: include NBS ATM transactions, automatic payments,bill payments, one-off payments, direct debits, direct credits,and  Lifestyle Net transfers.
Manual transactions: include staff assisted external transfers and Lifestyle Net assisted transactions.;

NBS Service Fees

New Automatic Payment/Alter Automatic Payment - Via Branch or Lifestyle Net assisted $3.00
New Automatic Payment/Alter Automatic Payment - Via Lifestyle Net unassisted FREE
New Bill Payment Authorities/Alter Bill Payment Authorities - Via Branch or Lifestyle Net assisted $3.00
New Bill Payment Authorities/Alter Bill Payment Authorities - Via Lifestyle Net unassisted FREE
Unpaid Automatic Payment/Bill Payment $15.00
Bank Cheque Issue $5.00 per cheque
Stopped Cheques $30.00 per cheque
Dishonoured Cheques/Direct Debits $30.00 per item
Cheque Clearance - 2 FREE per suffix, per day; then $0.25 per cheque
Special Answer Clearance on Cheques $30.00 per cheque
Statement Printing $2.00 per page
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
Document Searches $25.00 per half hour (minimum charge $25.00)
NBS Debit Mastercard Annual Card Fee $10.00
NBS Debit Mastercard Replacement Card Fee $10.00
NBS Lifestyle Net and NBS Mobile joining fee FREE
Overdrafts are calculated daily, debited monthly on the last business day of each month. Fees are subject to change.

NBS General Terms & Conditions apply. NBS' current Disclosure Statement is available free of charge at any NBS branch. Service charges apply.

Overdraft Facility Rates

Interest rate range                                                                                                  10.00% p.a. to 16.00% p.a.
Interest is calculated daily on any overdraft funds used and charged on the last day of the month. Should you become overdrawn without an arranged limit, the interest rate is charged at 25.00% p.a.

 

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 0.25% (minimum charge $20.00) of the highest daily limit
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
Overdrafts are calculated daily, debited monthly on the last business day of each month. Normal Transaction fees will apply on your account. Fees are subject to change.