If you tick all the boxes, then you could be eligible for an overdraft.
I’m a New Zealand citizen or permanent resident.
I earn a salary or wage.
My credit looks good – I haven’t had any unpaid defaults in the past five years.
What are you waiting for? Apply now.
Applying online is easy and only takes minutes – if you already have a YouChoose account but don’t have an overdraft yet, get in touch to get started.
You might need to provide us with bank statements from the last three months’ or other documents to confirm your income and expenses.
Confirm you are who you say you are with our clever facial recognition technology.
Once we’ve confirmed your identity and you’ve signed your overdraft agreement, your account will be opened and ready for you to start saving and spending as you please.
Have more questions? Check out our FAQs page.