Business Cash Management Account

 General Lending Rates

 Product Features

• Digital Banking Additional Information: Internet Banking and Mobile Banking

• Digital Wallet Additional Information: Available for Visa cards only.

• Digital Wallet Additional Information: Available for Visa cards only.

• Free Txns Additional Information: 2 free Branch transactions per month.

• Unlimited Txns Additional Information: Unlimited free Bpay transactions and internet banking. Subject to amount limits.

• Additional Cards

• Bill Payment

• Card Access Additional Information: Newcastle Permanent Visa cards are accepted anywhere where Visa is accepted worldwide.

• Relationship Management Additional Information: Eligible customers enjoy dedicated and personalised service from the Business Solutions team.

• Npp Enabled Additional Information: OSKO

• Npp Payid Additional Information: OSKO

• Other Additional Information: Cheque book available

• Other Additional Information: Batch payments available

 Product Eligibility

• Residency Status - Available To Permanent Australian Residents .

• Business Additional Information: Available to sole traders, partnerships, and companies

 Bank Fees and Charges

• Overseas Transaction Conversion Fee (Transaction), Amount: Not Listed.. Additional Information: Payable when you use your Visa Debit card to perform a transaction overseas or where a merchant processes the payment overseas (whether or not the payment is in Australian dollars). It is calculated as a percentage of the total transaction amount and is debited to your account.

• Stop Payment Fee (Event), Amount: 5.00. Additional Information: Payable when you request that we stop a cheque

• Dishonoured Cheque Fee (Event), Amount: 17.50.

• Transaction Fee (Transaction), Amount: 1.00. Additional Information: Payable each time any of the following transactions occur: a) a cheque you wrote is presented for payment; or b) a deposit is made by you or another person into your account over the counter at one of our branches; or c) a cheque is deposited by you or another person into your account; or d) you or another person transfers funds into your account from another NPBS account, where this was arranged over the counter at one of our branches or where we are asked to arrange this. 2 free Branch transactions per month.

• Withdrawal Fee (Withdrawal), Amount: 1.75. Additional Information: Payable each time a withdrawal is made from your account, where you arrange this over the counter from one of our branches. 2 free Branch transactions per month.

• Miscellaneous Service Fee (Variable), Amount: Not Listed.. Additional Information: Payable when you request information from us, and your request is not covered by the document fee or certificate fee. $60.00 per hour spent by us to satisfy your request.

• Document Fee (Variable), Amount: Not Listed.. Additional Information: $60/hour (min $10/copy)

• Deposit Book Fee (Event), Amount: 8.50. Additional Information: Payable when we issue you a deposit book.

• Direct Debit Dishonour Fee (Event), Amount: 12.50. Additional Information: Payable when we attempt to debit another account, but payment is dishonoured because there is not enough money to pay (the other account could be with us or another financial institution).

• Visa Cash Advance Fee (Withdrawal), Amount: 5.00. Additional Information: Applies to cash advances performed using the card via ATM, at a branch or other financial institution, or by internet banking.

• Financial Institution Cheque Replacement (Event), Amount: 15.00.

• Account Overdrawn (Event), Amount: 17.50.

• Direct Debit Request Fee (Deposit), Amount: 0.70. Additional Information: Payable when we debit an account at another financial institution at your request.

• Financial Institution Cheque (Event), Amount: 4.00. Additional Information: Payable each time you request a Newcastle Permanent cheque.

• Certificate Fee (Variable), Amount: Not Listed.. Additional Information: Payable when you request a Certificate of Balance or Audit Certificate. $60/hour (min $10/copy).

• Excess Cash Deposit Fee (Variable), Amount: Not Listed.. Additional Information: Payable when you deposit more than $50 worth of coins with us. $5.00 per 10 minutes spent by us counting coins. Minimum charge of $5.00 applies.

 Limitations & Restrictions (Constraints)

• Opening Balance of 1.00