Save Time and Money

Carry out as much of your personal banking as possible with us. We won't charge account keeping fees (unless your account becomes inactive) so you will avoid paying unnecessary charges.
Where possible, use Telephone or Internet Banking, ATMs, EFTPOS, automatic payments or direct debits. Electronic transactions save time and generally cost less than writing cheques or coming into the branch.
If you're paying by EFTPOS, remember to get cash out at the same time as your purchase. You will only pay a fee for one transaction.
Use your ATM/EFTPOS card to obtain cash through the ATM network. We charge a flat fee for the use of all New Zealand ATMs (ie. there is no extra charge for using one bank's machine rather than another).
If borrowing, think about what's important to you - to pay off debt quickly or to keep payments as low as possible. Develop a budget or talk to a consultant from your local branch about what you can afford before committing yourself to a loan.
Make sure you have arranged the most convenient, cost effective banking accounts for your lifestyle. When choosing your accounts, it's important to think about the services you use the most: money machines, EFTPOS, cheques, Telephone or Internet Banking. You may have money sitting in an account that could move to your current account and avoid transaction fees by maintaining the minimum account balance.

Refer to Fee Exemptions for more information.

Interest rates and fees are subject to change. An Investment Statement and the current Disclosure Statement are available from any branch of The Co-operative Bank or can be downloaded here. For all lending products, The Co-operative Bank lending and insurance criteria, and fees apply. If a home loan is greater than 80% of the property's value, a low equity interest rate premium, will apply.