Farm First Transact

Choose a pricing plan to help keep your fees down, plus enjoy the flexibility of adding an overdraft, and accessing your money if or when you need it.

Choose a plan to keep costs down

Pay as you go

$3.50 base fee per month, then pay the normal account fees for each transaction.

$10 plan

$10 base fee includes all your transactions^ (automatic payments, bill payments, direct debits, telephone banking and over-the-counter) each month.

Manage your money and cash flow

Business overdraft^

A business overdraft could help with cash flow fluctuations. You can overdraw whenever you need to, up to your pre-approved limit. What’s more, we won’t charge an overdraft facility fee.

24-hour access

Manage and access your money 24/7 by using Internet Banking, Mobile Business Banking, telephone banking, cheques, direct debits, automatic payments, EFTPOS and ATMs. You’ll receive monthly statements by post.

Farm First Transact rates and fees^

 Pay As You Go Plan$10 Plan
Interest rate (%p.a.)

Credit Balance Interest Rates

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Farming Overdraft Base Rates

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Monthly^ base fee $3.50 $10.00
No Account Fees apply for the following Not Applicable

All transactions each month.^

BNZ Internet Banking and Internet Banking for Business 15 cents. Service Fees may apply. No Charge. Service Fees may apply.
Electronic transactions:
(EFTPOS, Direct Debits, Direct Credits, Telephone Banking ,self service transactions & Automatic Payments)
35 cents. Service Fees may apply. No Charge. Service Fees may apply.
Manual Transactions:
(Cheques written, Freepost deposits, Store/staff assisted transactions, Express Deposit Tower deposits and ATM (including outward and inward payments))
65 cents. Service Fees may apply. No Charge. Service Fees may apply.
Overdraft facility fee No charge No charge
Same-day cleared payments See fees  
The following Service Fees are included in your $10 monthly base fee:
Automatic Payments
Bill Payments
Direct Debit
Telephone Banking
Internet Banking
Transaction Service Fees