If you use your account less than 12 times a month this is the account for you. Benefits include:

• No monthly account fee
• 24 hour, 365 day access to your money
• You can choose ATMs, EFTPOS, automatic payments, direct debits, cheques as well as Mobile Phone Banking, touchtone phone banking and Online Banking to manage your money
• If you're a tertiary student, a graduate, or starting work you may qualify for packages with special fees
• You can have the flexibility of an overdraft facility
• Apply online to open a National Bank Classic account.

To help you decide which everyday account is best for you visit our everyday accounts comparison page.

Notes

Automated transactions include EFTPOS, money machine transactions, automatic payments, bill payments, direct debits, direct credits, Mobile Phone Banking and also include transactions made through touchtone phone banking and Online Banking.

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.

A low transaction account

You get all the usual advantages National Bank everday account, including 24 hour, 365 day access to your money.

Money machines

You get 24 hour, 365 day access to cash from money machines throughout the country as well as overseas with a National Bank Cashpoint Card. You can deposit cash or cheques at money machines and transfer money between your National Bank accounts. You can also withdraw money from other banks' money machines.

EFTPOS

You can pay for clothes, petrol, groceries or eating out using EFTPOS with a Cashpoint Card. Over 50,000 outlets throughout New Zealand accept EFTPOS. It's also a convenient way to obtain cash.

Touchtone phone banking

You can pay bills, transfer funds and get account balances when it suits you, simply by picking up any touchtone phone in New Zealand overseas. Find out more at our touchtone phone banking page or register by calling 0800 18 18 18.

Online Banking

You can create or delete bill payees and pay bills, transfer funds, amend or delete a list of automatic payments, see a summary of transactions and get account balances when it suits you. Find out how to register at our Online Banking page.

Automatic payments or direct debits

If there's something you need to pay on a regular basis, such as your rent or Visa bill, you can set up an automatic payment or direct debit. The payment will then be made automatically from your account.

Manual banking options

You can have transactions handled by our staff at your nearest branch or by phone. And of course, you can make cheque payments from your account.

An overdraft for cashflow convenience

For the flexibility to cover unexpected expenses, special purchases or cash shortages between pay-days you can apply for an overdraft.

Taking Control of your Finances

You can enter your own details in our calculators to work out figures and financial options that apply to you. Use the Budget Planner to organise your finances, work out a savings plan to meet your goals or check your home loan options.

To open your Classic account

Apply online, call 0800 18 18 18 or ask a staff member at any branch of The National Bank.

Apply online to open a National Bank Classic account or ask a staff member at any branch of The National Bank. Or phone 0800 18 18 18 - you may be able to open your account from home without actually having to come in to see us.

Our normal lending criteria apply. Read our current disclosure statement.