Effective 1 September 2011

  NAB Transaction Accounts NAB Transaction Accounts NAB Savings Accounts
  NAB Classic Banking NAB Gold Banking3 NAB Concession Card NAB Retirement Account NAB Flexiplus Mortgage Account5 NAB Home Equity Line of Credit Account7 NAB iSaver NAB Smart Reward Saver NAB Smart Junior Saver NAB Cash Manager
Monthly Account Service Fee No Fee1 $10.004 No Fee1 No Fee1 n/a6 $8.008 No Fee No fee12 No Fee No Fee
Transactions
NAB ATM Yes Yes Yes Yes Yes Yes n/a n/a n/a Yes
Non-NAB ATM withdrawal or Balance Enquiry2 Yes Yes Yes Yes Yes Yes n/a n/a n/a Yes
Overseas ATM Refer to Section 2 Yes Refer to Section 2 Refer to Section 2 Yes Refer to Section 2 n/a n/a n/a Refer to Section 2
EFTPOS Yes Yes Yes Yes Yes Yes n/a n/a n/a Yes
Deposits Yes Yes Yes Yes Yes Yes Yes9 Yes Yes Yes
Cheques withdrawals Yes Yes n/a Yes Yes n/a n/a n/a11 n/a11 Yes
Branch withdrawals Yes Yes Yes Yes Yes n/a n/a Yes Yes Yes
NAB Telephone Banking Yes Yes Yes Yes Yes Yes Yes10 Yes Yes Yes
NAB Internet Banking Yes Yes Yes Yes Yes Yes Yes10 Yes Yes Yes
SMS Banking Yes Yes Yes Yes Yes Yes Yes Yes Yes n/a
NAB Alerts Yes Yes Yes Yes Yes Yes Yes Yes Yes n/a
Visa Debit Yes Yes n/a Yes n/a n/a n/a n/a n/a n/a
Overseas Visa Debit Refer to Section 2 Yes n/a Refer to Section 2 n/a n/a n/a n/a n/a n/a
Australia Post & Bank@Post™ Access Yes Yes Yes Yes n/a n/a n/a n/a n/a n/a

Yes Included in Monthly Account Service Fee.

  1. On 22 January 2010, NAB removed the monthly account service fee and made a commitment that it would never be reintroduced.
  2. Non-NAB ATM: You may be charged by the ATM owner where you use an ATM in Australia that doesn’t belong to NAB or the rediATM network.
  3. This includes transaction accounts that form part of a NAB Choice or NAB Private Tailored Package.
  4. The monthly account service fee is waived if cumulative deposits into a NAB Gold Banking account are greater than or equal to the monthly threshold of $5000 calculated on the last banking day of a month.
  5. Where you use an account to operate a NAB FlexiPlus Mortgage facility, it will be referred to by us in this booklet as a NAB FlexiPlus Mortgage Account.
  6. Annual Facility Fee applies. Refer to Section 5.
  7. Where you use an account to operate a NAB Home Equity Line of Credit facility, it will be referred to by us in this booklet as a NAB Home Equity Line of Credit Account.
  8. Refer to Section 5, Home Loans & Lines of Credit, Loan Service Fee
  9. After the initial deposit, other deposits to a NAB iSaver account can only be made by transferring funds from the eligible NAB account. This can be done by using the funds transfer option in NAB Internet Banking and NAB Telephone Banking. Refer to Part A clause 2.11 of the Personal Transaction and Savings Products Terms and Conditions.
  10. To and from an eligible NAB Transaction account only. Refer to Part A clause 2.4 of the Personal Transaction and Savings Products Terms and Conditions.
  11. Cheque access via bank cheque only from NAB branches. Fees and charges may apply.
  12. Fee waived from 6 September 2011. Accounts closed before 6 September may be subject to $3 Monthly Account Service Fee.

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