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 that’s held jointly with a transaction account.
You can access your funds when you need, while still earning interest. It’s a great way to save for tax payments and other expenses.

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 branch.

We recommend that you don’t use Business First OnCall for regular payments like automatic payments or direct debits. These payments should be set up using a transaction account, like MyMoney for Business or Business First Transact

Business First OnCall rates and fees

Rate/FEE Charge
Credit interest rate
Current % p.a
0.05% p.a.
Unarranged overdraft interest rate
Current % p.a
10.20 + margin*
Monthly^ base or account management fee Not applicable
No account fees apply for the following
(per month)
All deposits and withdrawals
BNZ Internet Banking^ No charge
Electronic transactions:^
(EFTPOS, Bill Payments, Direct Debits, Telephone Banking*, self service transactions)
No charge
Automatic payments^ Not applicable
ATM^ No charge
Cheques written^ Not applicable
Freepost deposits No charge
Branch/staff assisted transactions^ No charge
Express deposits^ No charge
Overdraft facility fee & line of credit charges 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 Business Base Overdraft Rate plus 10.00% p.a.