Fees

You can download our full fees guide here or see details below.

If you have any questions please feel free to call us on 0800 229 943 or email enquiries@nzcubaywide.co.nz

Information on fees

Over 65's

If you are 65 years of age or older you will not be charged fees for account management, EFTPOS and staff assisted withdrawals and transfers on all Transaction accounts plus Online Saver and Goal Saver accounts.^

Under 18's

If you are under the age of 18 years old you will not be charged fees for account management, EFTPOS and staff assisted withdrawals and transfers on all Transaction accounts plus Online Saver and Goal Saver accounts.^

Tertiary students

If you are registered as a full time student at a tertiary institution you will not be charged fees for account management, EFTPOS and staff assisted withdrawals and transfers on all Transaction accounts plus Online Saver and Goal Saver accounts.^

Term deposit customers

If you have a term deposit over $1,000 with us you will not be charged fees for account management, EFTPOS and staff assisted withdrawals and transfers on all Transaction accounts plus Online Saver and Goal Saver accounts.^

Home loan customers

If you have a home loan with us you will not be charged fees for account management and EFTPOS. Please note, all staff assisted withdrawal and transfer fees will still apply.^

 

^Service fees detailed down the page will still apply. Withdrawal and transfer fees on Success Saver, Loyalty Saver and Christmas Saver accounts will still apply for over 65's, under 18's, tertiary and term deposit customers. Staff assisted withdrawal and transfer fees on Transaction and Savings accounts will still apply for home loan customers. Staff assisted withdrawal and transfers include transactions handled by our staff in a branch, by phone or by email.

The following fees are charged at the end of the month: EFTPOS transaction fees for Everyday account, account management fees, Success Saver withdrawal fees, monthly paper statement fees, overdraft service fees, AccessDebit administration fee.

All other fees are charged on the day of the transaction.

  • All deposits into NZCU Baywide accounts are free
  • All internal transfers between NZCU Baywide accounts using Automatic Payments, telephone banking and internet banking are free
  • Credit Union AccessCash ATM withdrawals are free
  • Set up and amend Automatic Payments and Bill Payments online for free
  • If you need some cash, ask to withdraw some money when making a payment via EFTPOS
  • You can set up and receive bank statements via email for free

Transaction accounts

Everyday account fees

Account management (per month) $3.50
EFTPOS (charged at the end of the month) 30 free / 20c
Credit Union AccessCash ATM* no charge
Electronic transactions (Automatic Payments, Direct Debits, Bill Payments, internal transfers between NZCU Baywide accounts) no charge
Staff assisted withdrawals and transfers+ $2.50
Deposits no charge

 

*Other bank ATM fee applies

+Staff assisted transactions include transactions handled by our staff in a branch, by phone or by email

Everyday Unlimited account fees

Account management (per month) $10
EFTPOS (charged at the end of the month) no charge
Credit Union AccessCash ATM* no charge
Electronic transactions (Automatic Payments, Direct Debits, Bill Payments, internal transfers between NZCU Baywide accounts) no charge
Staff assisted withdrawals and transfers+ no charge
Deposits no charge

 

*Other bank ATM fee applies
+Staff assisted transactions include transactions handled by our staff in a branch, by phone or by email

 

Bill Pay account fees

Account management (per month) no charge
EFTPOS (charged at the end of the month) n/a
Credit Union AccessCash ATM
n/a
Electronic transactions (Automatic Payments, Direct Debits, Bill Payments, internal transfers between NZCU Baywide accounts) no charge
Staff assisted withdrawals and transfers+ $2.50
Deposits no charge

 

+Staff assisted transactions include transactions handled by our staff in a branch, by phone or by email

Bfree account fees

Account management (per month) no charge
EFTPOS (charged at the end of the month) no charge
Credit Union AccessCash ATM* no charge
Electronic transactions (Automatic Payments, Direct Debits, Bill Payments, internal transfers between NZCU Baywide accounts) no charge
Staff assisted withdrawals and transfers+ no charge
Deposits no charge

 

*Other bank ATM fee applies
+Staff assisted transactions include transactions handled by our staff in a branch, by phone or by email

> Bfree account is for customers aged between 11 and 17 years only

Bfree Plus account fees

Account management (per month) no charge
EFTPOS (charged at the end of the month) no charge
Credit Union AccessCash ATM* no charge
Electronic transactions (Automatic Payments, Direct Debits, Bill Payments, internal transfers between NZCU Baywide accounts) no charge
Staff assisted withdrawals and transfers+ no charge
Deposits no charge

 

*Other bank ATM fee applies
+Staff assisted transactions include transactions handled by our staff in a branch, by phone or by email

> Bfree Plus account is for customers studying full-time with a registered tertiary institution - proof is required

Savings accounts

Online Saver fees

Account management no charge
EFTPOS n/a
Credit Union AccessCash ATM
n/a
Electronic transactions (Automatic Payments, Direct Debits, Bill Payments, internal transfers between NZCU Baywide accounts) no charge
Staff assisted withdrawals and transfers+ $2.50
Deposits no charge

 

+Staff assisted transactions include transactions handled by our staff in a branch, by phone or by email

Success Saver fees

Account management no charge
EFTPOS n/a
Credit Union AccessCash ATM
n/a
Electronic transactions (Automatic Payments, Direct Debits, Bill Payments, internal transfers between NZCU Baywide accounts) $5 per withdrawal
Staff assisted withdrawals and transfers+ $5 per withdrawal
Deposits no charge

 

+Staff assisted transactions include transactions handled by our staff in a branch, by phone or by email

Each customer is eligible for one free electronic or staff assisted transaction or withdrawal per month

Goal Saver fees

Account management no charge
EFTPOS (charged on the day) 20c
Credit Union AccessCash ATM* no charge
Electronic transactions (Automatic Payments, Direct Debits, Bill Payments, internal transfers between NZCU Baywide accounts) no charge
Staff assisted withdrawals and transfers+ $2.50
Deposits no charge

 

*Other bank ATM fee applies

+Staff assisted transactions include transactions handled by our staff in a branch, by phone or by email

Loyalty Saver fees

Account management no charge
EFTPOS n/a
Credit Union AccessCash ATM
n/a
Electronic transactions (Automatic Payments, Direct Debits, Bill Payments, internal transfers between NZCU Baywide accounts) n/a
Staff assisted withdrawals and transfers(free for payments to your loan and term deposit accounts) $5 per withdrawal
Deposits no charge

 

+Staff assisted transactions include transactions handled by our staff in a branch, by phone or by email

Christmas Saver fees

Account management no charge
EFTPOS n/a
Credit Union AccessCash ATM
n/a
Electronic transactions (Automatic Payments, Direct Debits, Bill Payments, internal transfers between NZCU Baywide accounts) $10 per withdrawal
Staff assisted withdrawals and transfers+ $10 per withdrawal
Deposits no charge

 

+Staff assisted transactions include transactions handled by our staff in a branch, by phone or by email

Each customer is eligible for free electronic and staff assisted transactions and withdrawals between 1 November and 31 January

Jimmy J fees

Account management no charge
EFTPOS n/a
Credit Union AccessCash ATM
n/a
Electronic transactions (Automatic Payments, Direct Debits, Bill Payments, internal transfers between NZCU Baywide accounts) no charge
Staff assisted withdrawals and transfers+ no charge
Deposits no charge

 

+Staff assisted transactions include transactions handled by our staff in a branch, by phone or by email

Other fees

Other bank ATM (not AccessCash ATMs)
This fee is in addition to any applicable transaction fee charges (includes enquiry, withdrawal and transfer) $1
Automatic Payment (AP) and Direct Debit (DD)
Set up or amend via a staff member (Free for the set up of loan payments) $5
Set up or amend APs using AccessWeb or AccessMobile (excludes charges from your phone provider) Free
Cheque services
Stopped cheque $25
NZCU Baywide bank cheque $5
Bank cheque (issued by Westpac) $10
Bank branch transactions
Some limited services are provided to customers via Westpac branches as follows:  
Deposit at bank $2.50
Cash handling at bank 25c per $100 or part thereof
EFTPOS / debit cards
AccessCard (including joint) - first card only Free
AccessCard replacement $10 each
AccessDebit new/replacement card $10 each
AccessDebit administration fee $1 per card per month
EFTPOS / debit cards - Overseas transactions
Overseas ATM transaction $7 NZD per transaction
Overseas EFTPOS transaction 80c NZD per transaction
AccessCard multi-currency conversion fee (applied at the prevailing buy rate by Mastercard®) 1.10% per transaction
AccessDebit foreign currency fee (on the $NZD value of transaction) 2.25% per transaction
Statements
Monthly paper statements $1.50
Interim statements $2 per page
Replacement statements $2 per page
TXT
AccessTXT transactions and enquiries (excludes charges from your phone provider) 50c per transaction and/or enquiry
Approval $50
Service fee $5 per month

Honour fee - charged for:
(a) an unauthorised overdraft; or
(b) exceeding approved overdraft limit

$10 per transaction
Dishonoured payments
Cheque and DD dishonour fee $12
Rejected (external and internal) AP $5
Personal loans
Approval $250*
Approval – where fully secured by shares Free
Home loan fee
Approval $500*
Early repayment of fixed term loan $250 plus any costs
Default and other fees (includes overdraft defaults)
Default notice $10
Subsequent default notice $20
Repossession warning notice administration $50 per notice
Repossession warrant administration $100 per warrant
Debt recovery agent visit $50 per visit
Property law notice administration $350 per notice
Mortgagee sale management fee $50 per hour
Overdue insurance premium administration $20 per payment
Overdue rates administration $50 per payment
Prepare mortgage/caveat discharge forms $50
Notice of proceedings administration $200 per notice

 

*Other charges may be applied in addition to the lending approval fees

Dormant account fee $20 per year
If a customer account is inactive for more than one year and the customer cannot be located, this account is treated as dormant and a fee of $20 is charged for the transfer to dormancy and each subsequent year of inactivity. Reasonable action is taken to contact affected customers to reactivate their account.
Transaction search and card/debit card enquiries and disputes $50 per enquiry
AccessDebit recurring payments cancellation $15 each
Inter-credit union withdrawal $10
Sell foreign cash 1% minimum $5
Buy foreign cash $5
Draft $15
Telegraphic transfer $25
Cash Passport prepaid travel money card 1% minimum $10

Where NZCU Baywide incurs a charge from another organisation when acting on a customer’s behalf, NZCU Baywide will pass these costs on to the customer. Due to the nature of these charges the exact cost will not be known until the time of application. Examples of such cost include, but are not limited to, credit checks, legal costs and disbursements or costs associated with the registration of securities. If you would like further information about these possible charges please contact us on 0800 229 943.

To view our interest rates click here.

Credit Union Baywide shares are secured by a first ranking security of NZCU Baywide's assets.

The current Credit Risk Statement, Product Disclosure Statement and other disclosure statements are available here or from any of our branches.
Phone: 0800 229 943 or (06) 873 1100
Email: enquiries@nzcubaywide.co.nz