|
Transaction Accounts
Deeming Accounts
Savings & Investment Accounts
Loan Accounts
Business Accounts
Other Fees
Transaction & Savings Accounts
at a Glance
1. Redi-Access Account (S1)
See Concessions
& Benefits for fee exemptions
| Monthly
Maintenance Fee: |
$3.00 |
| Transaction Fees: |
|
| Monthly statement |
free |
| Direct Link Internet banking |
free |
| Phone Link telephone banking |
free |
| Direct Debit Authority (electronic) |
free |
| Periodic Payment (electronic) |
free |
| Cash withdrawal |
free |
Redicard EFTPOS
first
8 transactions per month
thereafter
per transaction |
free
$0.50 |
Member Cheques presented
first 8 transactions per month
thereafter
per transaction |
free
$0.50 |
| Redicard ATM withdrawal |
$1.50 |
Declined transaction
per Transaction |
$1.00 |
| Deposit at N. A. B. branches |
$3.00 |
| Corporate Cheque |
$3.00 |
| Periodic Payment (by cheque) |
$3.00 |
All maintenance and transaction fees accrued for the month
will be charged to the account on the last day of the month.
2. Student Redi-Access S1
Accounts
Annual renewable waiver of the $3.00 monthly maintenance
fee. All other Gold Pass and Redi-Access fees and concessions
and benefits apply.
All transaction fees accrued for the month will be charged
to the account on the last day of the month.
^top
| Monthly
Maintenance Fee: |
$3.00 |
| Transaction Fees: |
|
| Monthly statement |
free |
| Direct Link Internet banking |
free |
| Phone Link telephone banking |
free |
| Direct Debit Authority (electronic) |
free |
| Periodic Payment (electronic) |
free |
| Cash withdrawal |
free |
Redicard EFTPOS
first
8 transactions per month
thereafter
per transaction |
free
$0.50 |
Member Cheques presented
first 8 transactions per month
thereafter
per transaction |
free
$0.50 |
| Redicard ATM withdrawal |
$1.50 |
Declined transaction
per Transaction |
$1.00 |
| Deposit at N. A. B. branches |
$3.00 |
| Corporate Cheque |
$3.00 |
| Periodic Payment (by cheque) |
$3.00 |
All transaction fees accrued for the
month will be charged to the account on the last day of the
month.
^top
1. Special Purpose and Budget Accounts (S2, S3)
| Monthly
Maintenance Fee: |
$1.00 |
| Transaction Fees: |
|
| Monthly statement |
free |
| Direct Link Internet banking |
free |
| Phone Link telephone banking |
free |
| BPAY Bill Payment service |
free |
| Direct Debit Authority (electronic) |
free |
| Periodic Payment (electronic) |
free |
| Cash withdrawal |
free |
| Corporate Cheque |
$3.00 |
| Periodic Payment (by cheque) |
$3.00 |
All transaction fees accrued for the
month will be charged to the account on the last day of the
month.
2. Passbook Accounts (S4, S7)
| Monthly
Maintenance Fee: |
$1.00 |
| Transaction Fees: |
|
| Monthly statement |
free |
| Direct Link Internet banking (deposits
only) |
free |
| Phone Link telephone banking (deposits
only) |
free |
| Direct Debit Authority (electronic) |
free |
| Periodic Payment (electronic) |
free |
| Cash withdrawal |
free |
| Corporate Cheque |
$3.00 |
All transaction fees accrued for the
month will be charged to the account on the last day of the
month.
3. Personalised Target Account (S8)
| Monthly
Maintenance Fee: |
free |
| Transaction Fees: |
|
| Monthly statement |
free |
| Direct Link Internet banking (deposit only) |
free |
| Phone Link telephone banking (deposit
only) |
free |
All transaction fees accrued for the
month will be charged to the account on the last day of the
month.
4. Cash Management Account (S5)
| Monthly
Maintenance Fee: |
$1.00 |
| Transaction Fees: |
|
| Monthly statement |
free |
| Direct Link Internet banking |
free |
| Phone Link telephone banking |
free |
All transaction fees accrued for the
month will be charged to the account on the last day of the
month.
5. Christmas Club (S10)
| Monthly
Maintenance Fee: |
free |
| Transaction Fees: |
|
| Monthly statement |
free |
| Direct Link Internet banking (deposits
only) |
free |
| Phone Link telephone banking (deposits
only) |
free |
6. Super Saver Club (S12) Total Freedom Club (S18)
| Monthly
Maintenance Fee: |
free |
| Transaction Fees: |
|
| Monthly statement |
free |
| Direct Link Internet banking |
free |
| Phone Link telephone banking |
free |
| Direct Debit Authority (electronic) |
free |
| Periodic Payment (electronic) |
free |
| Cash withdrawal |
free |
Redicard EFTPOS
first
8 transactions per month
thereafter
per transaction |
free
$0.50 |
Redicard ATM withdrawal
first 4 transactions per month
thereafter
per transaction |
free
$1.50 |
| Declined transaction
per transaction |
$1.00 |
| Member cheques presented |
$1.00 |
| First 8 transactions per month
thereafter per transaction
|
free
$0.50
|
| Deposits at N.A.B. branches |
$3.00 |
| Corporate cheque |
$3.00 |
| Periodic payment (by cheque) |
$3.00 |
All transaction fees accrued for the
month will be charged to the account on the last day of the
month.
^top
1. Ultra Home & Investment Loan (S50)
| Monthly
Maintenance Fee: |
free |
| Transaction Fees: |
|
| Monthly statement |
free |
| Direct Link Internet
banking |
free |
| Phone Link telephone
banking |
free |
| BPAY bill payment service |
free |
| Direct Debit Authority
(electronic) |
free |
| Periodic Payment (electronic) |
free |
| Cash withdrawal |
free |
Redicard EFTPOS
first 8 transactions per month
thereafter per transaction |
free
free |
Member Cheques presented
first 8 transactions per month
thereafter per transaction |
free
free |
| Redicard ATM withdrawal |
free |
| Deposit at N. A. B. |
free |
| Corporate Cheque |
free |
| Periodic Payment (by cheque) |
free |
All transaction fees accrued for the
month will be charged to the account on the last day of the
month.
2. Other Loan Fees (where applicable).
Establishment Fees:
Personal, Car Finance, Ultra and Ultimate
Home and Investment Loans |
$100 |
| Establishment Fees:
Integris Home and Investment Loans.
Integris bridging finance and
interest only loans.
Ultimate bridging finance and
interst only loans. |
$375.00
$600.00
$500.00 |
Break Fees:
Ultimate
and Integris Loans discharged prior
to maturity. |
varies upon amount of the loan |
Unused Limit Fee:
Ultra Home and Investment Loan S50.
0.50% of the daily unused balance. |
|
| Registration of Goods Mortgage: |
$10.00 |
Real Estate Mortgages:
Recovery of solicitor, valuation, titles
office costs |
varies upon amount of the loan |
| Stamp Duty on Mortgage |
varies upon amount of the loan |
| Bank Cheques: |
recovery of bank's fee |
All transaction fees accrued for the
month will be charged to the account on the last day of the
month.
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1. Search Fees
Business Name Search Fee:
Once only fee on opening of account |
$20.00 |
Company Search Fee:
Once only fee on opening of account |
$20.00 |
2. Business Redi-Access Account
(S1)
Fee exemption: Waiver of the Monthly Maintenance Fee
on accounts that maintain a minimum Business Redi-Access Account
(S1) balance of $3,000 during a month.
| Monthly
Maintenance Fee: |
$5.00 |
| Transaction Fees: |
|
| Monthly statement |
free |
| Direct Link Internet banking |
free |
| Phone Link telephone banking |
free |
| BPAY bill payment service |
free |
| Direct Debit Authority (electronic) |
free |
| Periodic Payment (electronic) |
free |
| Cash Withdrawal |
$1.00 |
Redicard EFTPOS
first
8 transactions per month
thereafter
per transaction |
free
$0.50 |
Member Cheques presented
first 8 transactions per month
thereafter
per transaction |
free
$0.50 |
| Redicard ATM withdrawal |
$1.50 |
Declined transaction
per transaction |
$1.00 |
| Transfer between accounts (staff assisted) |
$1.00 |
| Cheque encashment |
$1.00 |
| Deposit at N.A.B. branches |
$3.00 |
| Cheques deposited |
$0.35 per item |
| Corporate Cheque |
$3.00 |
| Periodic Payment (by cheque) |
$3.00 |
All transaction fees accrued for the
month will be charged to the account on the last day of the
month.
^top
| Force Payment/Overdraft/Transfer
Fee:
(Unauthorised overdrawn account or to transfer funds
from other accounts following payment of Redicard,
cheque or direct debit transaction)
|
$10.00 per item |
| Dishonour of Member Cheque: |
recovery of bank's fee |
Copy of Member Cheque:
(copy, provision and/or trace of original cheque/voucher)
|
$49.50 per cheque |
| Special Clearance of Cheques |
recovery of bank's fee |
| Bank Cheques: |
recovery of bank's fee |
| Drafts: |
$12.00
plus recovery of bank’s or agent’s fee (varies) |
| Telegraphic Transfer and SWIFT
Payments: |
$15.00
plus recovery of bank’s or agent’s fee (varies) |
| Travellers Cheques and Foreign
Currency: |
1% of purchase
minimum $10.00 |
| Dishonour of Cheque Lodged on Deposit: |
recovery of bank's fee |
Replacement Card Fee:
Lost, damaged or stolen Redicard
(not applicable with police report)
|
$10.00 |
Repeat Statement Fees:
archive retrieval |
$5.00 per item |
| Dormant Account Fees: |
$20.00 |
Inter Credit Union Withdrawal:
withdrawals for members of other credit unions (emergency
service only)
|
$10.00 |
| Collection of Foreign Cash: |
$20.00 |
| Collection of Foreign Cheques and
Drafts: |
$50.00
plus recovery of bank or agent’s fee |
| Collection of Electronic Payment
from Overseas (SWIFT originated) |
Recovery of bank or agent’s fee |
^top
PRODUCTS
Features |
Gold
Pass Redi- Access Account (S1) |
Redi-
Access Account (S1) |
Student
Redi- Access Account (S1) |
Deeming
Accounts (S6) |
Ultra
Home and Investment Loan (S50) |
Super
Saver (S12) Total Freedom (S18) |
Special
Purpose & Budget Accounts (S2, S3) |
Pass-
book Accounts (S4, S7) |
Invest-
ment Account (S5) |
| Automatic Conversion to
Gold Pass |
|
 |
|
|
|
n.a. |
n.a. |
n.a. |
n.a. |
| NO Monthly Maintenance
Fee |
|
$3.00 |
|
|
|
|
$1.00 |
$1.00 |
$1.00 |
|
FREE TRANSACTIONS: |
| Monthly statement |
|
|
|
|
|
|
on request |
on request |
on request |
| Direct Link Internet banking |
|
|
|
|
|
|
|
deposits only |
|
| Phone Link telephone banking |
|
|
|
|
|
|
|
deposits only |
|
| BPAY |
|
|
|
|
|
|
|
|
|
| Direct Debit Access (electronic) |
|
|
|
|
|
|
|
n.a. |
n.a. |
| Periodic Payment (electronic) |
|
|
|
|
|
|
|
n.a. |
n.a. |
| Cash withdrawal |
|
|
|
|
|
|
|
|
|
| Chequebook issue |
|
|
|
|
|
n.a. |
n.a. |
n.a. |
n.a. |
| Redicard issue |
|
|
|
|
|
|
n.a. |
n.a. |
n.a. |
|
TRANSACTION FEES: |
ATM withdrawal
- first 4
transactions
- exceeding 4 |
nil |
$1.50
$1.50 |
$1.50
$1.50 |
nil |
nil |
free
$1.50 |
n.a. |
n.a. |
n.a. |
EFTPOS
- first 8
transactions
- exceeding 8 |
nil |
free
$0.50 |
free
$0.50 |
nil |
nil |
free
$0.50 |
n.a. |
n.a. |
n.a. |
Cheques
presented
- first 8
transactions
- exceeding 8 |
nil |
free
$0.50 |
free
$0.50 |
nil |
nil |
n.a. |
n.a. |
n.a. |
n.a. |
| Deposit at N.A.B. |
nil |
$3.00 |
$3.00 |
nil |
nil |
n.a. |
n.a. |
n.a. |
n.a. |
| Periodic Payment (by cheque) |
nil |
$3.00 |
$3.00 |
nil |
nil |
n.a. |
$3.00 |
n.a. |
$3.00 |
| Corporate Cheque |
nil |
$3.00 |
$3.00 |
nil |
nil |
$3.00 |
$3.00 |
$3.00 |
n.a. |
n.a. - not available with this product
ATM - automatic telling machines transaction with Redicard
EFTPOS - Electronic Funds Transfer/Point of Sale transaction
with Redicard |
