Business First OnCall

Get competitive interest paid on every dollar to maximise your earnings, plus there are no transaction and monthly base fees to eat away at your balance.

Cash management made easy

Business First OnCall is a cash management account which is held in conjunction with a business transaction account.

Earn competitive interest

Earn competitive interest on money you put aside for tax payments, equipment purchases, or other future expenses.

Interest is calculated daily and paid monthly, so your money will be working harder while it’s waiting. Plus, there are no transaction and monthly base fees.^

Easy access to funds

Making payments is easy. Move funds from your Business First OnCall account to your everyday transaction account through Internet Banking, telephone banking, ATMs or at any BNZ store.  

Business First OnCall doesn’t come with a cheque book and isn’t set up to support automatic payments, direct debits or bulk payments.

Business First OnCall rates and fees

 Business First OnCall AccountBusiness Advantage Call Account
Interest rates
Credit Interest Rates
Current % p.a
-% p.a. -% p.a.
($0-$499,999.99)
-% p.a.
($500,000+)

Unarranged Overdraft Interest Rates
Current % p.a

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Fees
Monthly^ base or account management fee Not Applicable No base fee for accounts with an average daily balance of $5,000 or more, otherwise $5.00
No Account Fees apply for the following
(per month)
All Deposits and withdrawals The 5 most expensive transactions (deposits and withdrawals)
BNZ Internet Banking^
No charge $2.50 per withdrawal
$1.25 per deposit
Electronic Transactions:^
(EFTPOS, Bill Payments, Direct Debits, Telephone Banking*, self service transactions)
No charge $2.50 per withdrawal
$1.25 per deposit
Automatic Payments^
Not applicable $2.50 per withdrawal
$1.25 per deposit
ATM^
No charge $2.50 per withdrawal
$1.25 per deposit
Cheques written^
Not applicable $2.50 per withdrawal
Freepost deposits No charge $1.25
Store/staff assisted transactions^
No charge $2.50 per withdrawal
$1.25 per deposit
Express Deposit Tower deposits^
No charge $1.25
Overdraft facility fee & Line of Credit Charges Not Applicable Not applicable
Unarranged overdraft fee
A grace period applies^.
$5.00 for any month overdrawn (Payable monthly in arrears). You will also pay interest on the overdrawn amount at the Bank's Lending Base Rate plus 10% p.a.  $5.00 for any month overdrawn (Payable monthly in arrears). You will also pay interest on the overdrawn amount at the Bank's Lending Base Rate plus 10% p.a. 

Small Print

* If you go into unarranged overdraft a margin of 10.00% p.a. applies.

  1. Service fees apply.

  2. Fees are subject to change. Fees are charged on the last business day of each calendar month and are based on the period between the last business day of the previous calendar month and the second to last business day of the current month, inclusive.

  3. Automatic Payments into your account from other parties are classed as Electronic Transactions.

  4. The unarranged overdraft fee will not be applied to your account if your account is no longer overdrawn by 11.45pm the following business day. If you miss this window, the fee will be applied to your bank account at the end of the bank month.

See our Business and Agribusiness account, service and facility fees guide.

Account opening criteria apply. Full details, terms and conditions and disclosure statement may also be obtained free of charge from a BNZ store.