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

^*Other bank ATM fee applies

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

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

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

^*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

^*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

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

⁺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

^*Other bank ATM fee applies

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

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

⁺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

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

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

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.