Starting out in the workforce? WorkStart Plus combines a range of products and services to help you get on your feet and manage your money.
The information provided is current for customers who have taken up the package from 1 August 2008. For customers who took up the package prior to 1 August 2008, your package hasn't changed. You can find out about your package and what fees and charges apply.
WorkStart Plus offers you:
We can help you to organise your money with calculators to work out how to make the most of your new income. And when you're ready, we can help you plan and save for your future. We can also help you manage your accounts if you are looking to travel overseas. Just contact us.
You can also take advantage of our general tips to save on your banking.
WorkStart Plus is available anytime in the first two years after leaving school for full-time work, provided your income is paid into your National Bank Current account.
Rates
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| Transactional account - no credit interest paid. |
Fees
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| National Bank Freedom |
| →Monthly Account fee Waived if you deposit at least $2,500 into the account each month* |
$5.00 |
| →Automated transaction fee |
Nil |
| →Manual transaction fee |
Nil |
| →Monthly overdraft management fee (calculated as a percentage of the agreed overdraft limit or the overdrawn balance - whichever is the greater.) |
0.12% (min $5.00) |
|
*Deposits exclude transfers made between any of your National Bank accounts.
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|
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| National Bank Classic |
| →Monthly Account fee |
Nil |
| →Automated transaction fee |
$0.40 |
| →Manual transaction fee |
$0.80 |
| →Monthly overdraft management fee (calculated as a percentage of the agreed overdraft limit or the overdrawn balance - whichever is the greater.) |
0.12% (min $5.00) |
|
|
Notes
Automated transactions include EFTPOS, Mobile Phone Banking, money machine transactions, automatic payments, bill payments, direct debits, direct credits, and also include transactions made through Touchtone Phone Banking and Online Banking.
The automated withdrawal fee still applies for Automatic Payments.
Manual transactions include cheques and transactions handled by our staff at branch or by phone. (Please note that balances and basic account enquiries at a branch are free.)
Service and access fees (non-standard fees) may apply in addition to any fees stated above.
There are three ways to apply:
1. Apply online2. Come into any National Bank branch of The National Bank.
3. Call us on 0800 26 77 26
We can open your everyday account and have it available at the branch nearest to where you're working. It will save time if you have these items when you apply (if you're applying online we'll arrange a time for you to bring them into a branch for verification).
If you are an existing National Bank customer all you need is:
- Proof of completion of school in the last 2 years (e.g. NCEA exam results certificate, UE certificate, school testimonial, school report), and
- Evidence of income (e.g. payslip or letter from employer) or how you will be funding your account.
If you are new to The National Bank, in addition to the above, you will also need:
- Identification with a photo (e.g. driver's licence, passport, or credit card) or two forms of non-photographic ID (e.g. credit card, cash card)
- Your IRD number
- Previous three months' bank statements (Online Banking statements are acceptable) if you're applying for an overdraft, personal loan or credit card.
- Verification of your address (e.g. power bill, previous bank statement).
Our lending criteria apply. Customers must be aged 18 or over to apply for any lending facilities. Read our general .