Fees and interest rates are subject to change. Fees and interest are payable on both arranged and unarranged overdrafts. Service fees may apply – please refer to pages 6-8 of the Business and Agribusiness account, service and facility fees guide. PDF 146KB

Fees are charged on the first day of each bank month for the previous bank month. A bank month is different to a calendar month. Each bank month ends on the second to last business day of a calendar month, and the next bank month starts the following calendar day. See bnz.co.nz/bankmonth