You can download our new rates and fees guide here.
If you have any questions please feel free to call us on 0800 229 943 or email enquiries@nzcubaywide.co.nz
If you are over 65 years of age, under 18 years of age, registered as a full-time student or you have a home loan with us then you will benefit from some fee exemptions as detailed below.
Everyday account management | Electronic transactions | Staff assisted transactions | |
Over 65 |
FREE |
FREE |
|
Under 18 |
N/A |
FREE |
FREE |
Student |
FREE |
FREE |
FREE |
Home loan |
FREE |
Electronic transactions includes EFTPOS, automatic payments and direct debits. Fees detailed further down the page will still apply. Withdrawal fees for Christmas saver and Loyalty saver will still apply. Staff assisted transactions include withdrawals and transfers handled by our staff in branch, by phone or by email. The account management fee for Everyday unlimited will still apply.
The following fees are charged at the end of the month: Electronic transaction fees for Everyday account (excluding international EFTPOS transactions), account management fees, monthly paper statement fees, overdraft service fees, AccessDebit administration fee. All other fees are charged on the day of the transaction.
Everyday account fees |
|
Account management (per month) | $3.50 |
Electronic (per transaction) includes EFTPOS, APs and DDs | 20 free/month then 35c each |
ATM* | $1 |
Staff assisted transactions** |
$3.00 |
*$1 ATM fee is charged at any ATM for each withdrawal, balance enquiry and decline. Normal transaction fees also apply.
**Staff assisted transactions include withdrawals and transfers handled by our staff in branch, by phone or by email.
Everyday Unlimited account fees |
|
Account management (per month) | $12 |
Electronic (per transaction) includes EFTPOS, APs and DDs | no charge |
ATM* | $1 |
Staff assisted transactions** | $3 |
*$1 ATM fee is charged at any ATM for each withdrawal, balance enquiry and decline. Normal transaction fees also apply.
**Staff assisted transactions include withdrawals and transfers handled by our staff in branch, by phone or by email.
Freedom account fees |
|
Account management (per month) | no charge |
Electronic (per transaction) includes EFTPOS, APs and DDs | no charge |
ATM |
no charge |
Staff assisted transactions | no charge |
Bill Pay account fees |
|
Account management (per month) | no charge |
Electronic (per transaction) includes EFTPOS, APs and DDs | 35c |
ATM |
n/a |
Staff assisted transactions* | $3.00 |
*Staff assisted transactions include withdrawals and transfers handled by our staff in branch, by phone or by email.
Everyday saver fees |
|
Account management (per month) | no charge |
Electronic (per transaction) includes EFTPOS, APS and DDs | 35c |
ATM* |
$1 |
Penalty withdrawal fee | n/a |
Staff assisted transactions** | $3 |
*$1 ATM fee is charged at any ATM for each withdrawal, balance enquiry and decline. Normal transaction fees also apply.
**Staff assisted transactions include withdrawals and transfers handled by our staff in branch, by phone or by email.
Online saver fees |
|
Account management (per month) | no charge |
Electronic (per transaction) includes EFTPOS, APS and DDs | 35c |
ATM |
n/a |
Penalty withdrawal fee | n/a |
Staff assisted transactions* | $3.00 |
*Staff assisted transactions include withdrawals and transfers handled by our staff in branch, by phone or by email.
Kids saver fees |
|
Account management (per month) | no charge |
Electronic (per transaction) includes EFTPOS, ATMs and DDs | n/a |
ATM |
n/a |
Penalty withdrawal fee | n/a |
Staff assisted transactions | no charge |
Christmas saver fees |
|
Account management (per month) | no charge |
Electronic (per transaction) includes EFTPOS, APs and DDs | n/a |
ATM |
n/a |
Penalty withdrawal fee (per withdrawal) | $10 (Free Nov - Jan) |
Staff assisted transactions* |
$3 (Free Feb - Oct) |
*Staff assisted transactions include withdrawals and transfers handled by our staff in branch, by phone or by email.
ATM transactions - applies at any ATM | |
Enquiry, decline and withdrawal | $1 per transaction |
Automatic Payment (AP) and Direct Debit (DD) | |
Set up or amend via a staff member | $5 |
Loan payment account | |
Staff assisted transactions | $3 per transaction |
TD connect account | No account or transaction fees apply |
Cheque services | |
Stopped cheque | $25 |
NZCU Baywide bank cheque | $5 |
Bank cheque (issued by Westpac) | $10 |
Bank branch transactions | |
Limited services are provided to customers via Westpac: | |
Deposit at bank | $2.50 |
Cash handling at bank | 25c per $100 or part thereof |
EFTPOS / debit cards | |
New card (including joint) - first card only | Free |
New/replacement card | $10 each |
AccessDebit administration fee | $1.50 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 | |
Paper statements | $2.50 each |
Interim/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: |
$17 per transaction |
Dishonoured payments | |
Cheque and DD dishonour fee | $20 |
Rejected external or internal AP | $10 |
Personal loans | |
Approval | $250* |
Approval – where fully secured by shares | Free |
Pocket loan | |
Approval | $50 |
Home loan fee | |
Approval | $500* |
Early repayment of fixed term loan | $250 plus any costs |
Prepare mortgage/caveat discharge forms | $50 |
Default and other fees (includes overdraft defaults) | |
Reminder letter | $10 |
Subsequent reminder letter | $20 |
Repossession warning notice administration | $50 per notice |
Repossession warrant administration | $100 per warrant |
Debt recovery agent visit | As per invoice |
Property law notice administration | $350 per notice |
Overdue insurance premium administration | $20 per payment |
Overdue rates administration | $50 per payment |
Post-repossession fee | $100 |
*Where NZCU Baywide incurs a charge from another organisation when acting on a member’s behalf, NZCU Baywide will pass these costs on to the member. 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.
Dormant account fee | $50 per year |
If a member account is inactive (no deposits or withdrawals) for more than one year and cannot be located, this account is treated as dormant and a fee of $50 is charged for the transfer to dormancy and each subsequent year of inactivity. Where possible, reasonable action is taken to contact affected members 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 transfer fee | $10 |
Inter-credit union transfer fee (CUB accounts) | $3 |
Sell foreign cash | 1% minimum $5 |
Buy foreign cash | $5 |
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 member’s behalf, NZCU Baywide will pass these costs on to the member. 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 trading as NZCU Baywide. Terms and conditions and normal lending criteria apply. All variable rates, fees and returns are subject to change without notice. The current Product Disclosure Statement, other disclosure statements and rates and fees are available on the Offer Register at disclose-register.companiesoffice.govt.nz, on nzcubaywide.co.nz or on request from the Credit Union. Credit Union Baywide savings are shares secured by a first ranking security over Credit Union Baywide's assets. Shares in Credit Union Baywide rank equally with the deposits of other Members, ahead of claims of lesser ranking secured creditors and unsecured creditors, and behind prior permitted security interests and claims preferred by law.
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