Farm First Call

Get competitive interest paid on every dollar and pay no transaction or monthly base fees  to maximise your savings and pay , but still get easy access to your money when you need it. 

Make the most of your farm savings

Now money put aside for tax payments, equipment purchases and other future expenses, can work hard while it’s waiting. With a Farm First Call account, you’ll earn competitive interest which is calculated daily and paid monthly. What’s more, there are no transaction or monthly base fees.  Service fees apply.

Easy access when you need to make a payment

You can access your money though internet banking, telephone banking, ATMs and any BNZ store. It’s quick and easy to move funds from your Farm First Call account to your farming transaction account to make a payment. Farm First Call doesn’t come with a cheque book and isn’t set up to support automatic payments, direct debits or bulk payments. Regular statements keep you in the picture.

Strictly agribusiness

Exclusively for BNZ Partners agribusiness clients, Farm First Call is a cash management account and can only be held in conjunction with a farming transaction account.


Interest rates and fees are subject to change.

Credit Interest Rates (%p.a.)

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Unarranged Overdraft Interest Rate (%p.a.) loading


Monthly^ base or account management fee



No Account Fees apply for the following
(per month)
All Deposits and Withdrawals. Service Fees may apply.
BNZ Internet Banking No charge. Service Fees may apply.
Electronic Transactions:
(EFTPOS, Bill Payments, Direct Debits, Telephone Banking, Self Service transactions)
No charge. Service Fees may apply.
Automatic Payments^
No charge. Service Fees may apply.
ATM No charge. Service Fees may apply.
Cheques written No charge. Service Fees may apply.
Freepost deposits No charge. Service Fees may apply.
Store/staff assisted transactions No charge. Service Fees may apply.
Express Deposit Tower deposits No charge. Service Fees may apply.
Overdraft facility fee Not applicable
Unarranged overdraft fee

$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. 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.

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

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.