Nishi-Nippon City Bank cash cards can be conveniently used at ATMs located in major convenience stores nationwide. However, since fees vary depending on the convenience store and time of day, it is important to understand the system in advance. This article provides a comprehensive guide to detailed information (fees, operating hours, available services) when using a Nishi-Nippon City Bank cash card at major convenience store ATMs (Seven-Eleven, Lawson, FamilyMart, Ministop), as well as how to utilize the “NCB Point Service” to get fees waived.
- A Comprehensive Guide to Convenience Store ATMs for Nishi-Nippon City Bank Cash Cards
- Nishi-Nippon City Bank Usage Details by Convenience Store: Fees, Operating Hours, and Available Services
- How to Get Free Convenience Store ATM Fees with NCB Point Service
- General Precautions When Using Nishi-Nippon City Bank at Convenience Store ATMs
- Transaction Limits: Daily and Per-Transaction Limits for Withdrawals, Deposits, and Transfers
- Handling of Coins: Not Supported for Withdrawals or Deposits at Convenience Store ATMs
- Use of Passbooks: Not Available for Updates or Transactions at Convenience Store ATMs
- How to Check System Maintenance Times
- PIN Management and ATM Security
- Q&A Regarding Nishi-Nippon City Bank Use at Convenience Store ATMs
- Q1. When do the NCB Point Service fee waivers apply?
- Q2. Are the fees the same at convenience store ATMs outside of Fukuoka Prefecture?
- Q3. Are the fees for the NCB Debit Card the same as a regular cash card?
- Q4. Can corporate cash cards be used at convenience store ATMs? Are the fees different from those for personal accounts?
- Q5. If I make a transfer at a convenience store ATM, when will it be reflected in the recipient’s account?
- Q6. What are the fees and operating hours during the year-end/New Year and Golden Week holidays?
- Q7. Do users of the Nishi-Nippon City Bank app get a waiver on convenience store ATM fees?
- Q8. What are the possible reasons if my Nishi-Nippon City Bank cash card doesn’t work at a convenience store ATM?
A Comprehensive Guide to Convenience Store ATMs for Nishi-Nippon City Bank Cash Cards
Nishi-Nippon City Bank cash cards can be used at many convenience store ATMs through a nationwide network of partner ATMs. First, let’s summarize an overview of which ATMs are available at which convenience stores.
Partner ATMs Available at Major Convenience Store Chains (7-Eleven, Lawson, FamilyMart, Ministop)
The following ATMs are installed in major convenience store chains across Japan and can be used with a Nishi-Nippon City Bank cash card.
- 7-Eleven: Seven Bank ATM
- Lawson: Lawson Bank ATM
- FamilyMart: E-net ATM (*Excludes some stores)
- Ministop: AEON Bank ATM
Nishi-Nippon City Bank Cash Card Service Availability at Seven Bank, Lawson Bank, E-net, and AEON Bank ATMs
All the convenience store ATMs listed above are compatible with Nishi-Nippon City Bank cash cards. While standard fees typically apply depending on the ATM type and time of day, a key feature is that fees can be waived at certain convenience store ATMs depending on your “NCB Point Service” stage. As a general rule, Nishi-Nippon City Bank passbooks cannot be used at these ATMs.
Nishi-Nippon City Bank Usage Details by Convenience Store: Fees, Operating Hours, and Available Services
From here, let’s take a closer look at the fees, available hours, and main services when using a Nishi-Nippon City Bank cash card at ATMs located in each convenience store.
*All fees are tax-inclusive. The following are the basic fees without applying “NCB Point Service” benefits. Information is current as of June 2025. Please check the official websites of Nishi-Nippon City Bank or each ATM operator for the latest information.
Using Nishi-Nippon City Bank at 7-Eleven (Seven Bank ATM)
Main Available Transactions
- Withdrawal
- Deposit
- Transfer
- Balance Inquiry
- Smartphone ATM
Withdrawal & Deposit Fees: Fee Table by Time Slot for Weekdays, Weekends, and Holidays
| Day | Time Slot | Fee |
|---|---|---|
| Weekdays | All day | 220 yen |
| Saturdays, Sundays, Holidays | All day | 220 yen |
Transfer Fees: To Nishi-Nippon City Bank and to Other Banks
| Recipient | Transfer Amount | Fee |
|---|---|---|
| To Nishi-Nippon City Bank | Under 30,000 yen | 110 yen |
| To Nishi-Nippon City Bank | 30,000 yen or more | 110 yen |
| To other banks | Under 30,000 yen | 330 yen |
| To other banks | 30,000 yen or more | 550 yen |
*In addition to the transfer fees above, a separate ATM usage fee (220 yen) is required.
Source: Nishi-Nippon City Bank ATM Service | Seven Bank
ATM Availability and Nishi-Nippon City Bank System Maintenance Information
Seven Bank ATMs generally operate 24 hours a day, but they are unavailable during Nishi-Nippon City Bank’s system maintenance periods.
Main maintenance hours: Sundays and holidays from 9:00 PM to 7:00 AM the next day
Please note that all transactions will be suspended during these times.
Using Nishi-Nippon City Bank at Lawson (Lawson Bank ATM)
Main Available Transactions
- Withdrawal
- Deposit
- Transfer
- Balance Inquiry
- Instant Account Settlement
Withdrawal & Deposit Fees: Fee Table by Time Slot for Weekdays, Weekends, and Holidays
| Day | Time Slot | Fee |
|---|---|---|
| Weekdays | All day | 220 yen |
| Saturdays, Sundays, Holidays | All day | 220 yen |
Source: Nishi-Nippon City Bank | Lawson Bank
Transfer Fees: To Nishi-Nippon City Bank and to Other Banks
| Recipient | Transfer Amount | Fee |
|---|---|---|
| To Nishi-Nippon City Bank | Under 30,000 yen | 110 yen |
| To Nishi-Nippon City Bank | 30,000 yen or more | 110 yen |
| To other banks | Under 30,000 yen | 330 yen |
| To other banks | 30,000 yen or more | 550 yen |
*In addition to the transfer fees above, a separate ATM usage fee (220 yen) is required.
ATM Availability and Nishi-Nippon City Bank System Maintenance Information
Lawson Bank ATMs also operate 24 hours a day in principle, but they are unavailable during Nishi-Nippon City Bank’s system maintenance periods (e.g., Sundays and holidays from 9:00 PM to 7:00 AM the next day).
Using Nishi-Nippon City Bank at FamilyMart (E-net ATM)
Main Available Transactions
- Withdrawal
- Deposit
- Transfer
- Balance Inquiry
Withdrawal & Deposit Fees: Fee Table by Time Slot for Weekdays, Weekends, and Holidays
| Day | Time Slot | Fee |
|---|---|---|
| Weekdays | All day | 220 yen |
| Saturdays, Sundays, Holidays | All day | 220 yen |
Source: Nishi-Nippon City Bank | E-net ATM Fees & Service Hours | E-net, INC.
Transfer Fees: To Nishi-Nippon City Bank and to Other Banks
| Recipient | Transfer Amount | Fee |
|---|---|---|
| To Nishi-Nippon City Bank | Under 30,000 yen | 110 yen |
| To Nishi-Nippon City Bank | 30,000 yen or more | 110 yen |
| To other banks | Under 30,000 yen | 330 yen |
| To other banks | 30,000 yen or more | 550 yen |
*In addition to the transfer fees above, a separate ATM usage fee (220 yen) is required.
ATM Availability and Nishi-Nippon City Bank System Maintenance Information
E-net ATMs also operate 24 hours a day in principle, but they are unavailable during Nishi-Nippon City Bank’s system maintenance periods (e.g., Sundays and holidays from 9:00 PM to 7:00 AM the next day).
Using Nishi-Nippon City Bank at Ministop (AEON Bank ATM)
Main Available Transactions
- Withdrawal
- Balance Inquiry
Withdrawal Fees: Fee Table by Time Slot for Weekdays, Weekends, and Holidays
| Day | Time Slot | Fee |
|---|---|---|
| Weekdays | 8:45 AM – 6:00 PM | 110 yen |
| Weekdays | Other times | 220 yen |
| Saturdays, Sundays, Holidays | All day | 220 yen |
Source: Nishi-Nippon City Bank Service Hours & ATM Fees | AEON Bank
Transfer Fees: To Nishi-Nippon City Bank and to Other Banks
Transfers are not available at AEON Bank ATMs.
ATM Availability and Nishi-Nippon City Bank System Maintenance Information
AEON Bank ATMs also operate for long hours, but they are unavailable during Nishi-Nippon City Bank’s system maintenance periods (e.g., Sundays and holidays from 9:00 PM to 7:00 AM the next day).
How to Get Free Convenience Store ATM Fees with NCB Point Service
Overview of NCB Point Service and How Stages are Determined
NCB Point Service is a program where you earn points based on your transactions with Nishi-Nippon City Bank, and your stage (Bronze, Silver, Gold, Platinum, Diamond) is determined by your total points. Depending on your stage, you can receive benefits such as free partner convenience store ATM usage fees.
Conditions to Get Convenience Store ATM Fees Waived
Convenience store ATM fees are waived as a benefit of the NCB Point Service for customers at the Silver stage or higher. The fee waiver benefit applies to Seven Bank ATM, Lawson Bank ATM, and E-net ATM. Please note that AEON Bank ATM is not eligible.
Silver Stage: Convenience Store ATM Fee Free Up to Once a Month
With a total of 50 points or more, you reach the Silver stage, and the usage fee for eligible convenience store ATMs is waived up to once a month.
Gold Stage: Convenience Store ATM Fee Free Up to Twice a Month
With a total of 100 points or more, you reach the Gold stage, and the usage fee for eligible convenience store ATMs is waived up to twice a month.
Platinum Stage: Convenience Store ATM Fee Free Up to 3 Times a Month
With a total of 200 points or more, you reach the Platinum stage, and the usage fee for eligible convenience store ATMs is waived up to 3 times a month.
Diamond Stage: Convenience Store ATM Fee Free Up to 3 Times a Month
With a total of 500 points or more, you reach the Diamond stage, and the usage fee for eligible convenience store ATMs is waived up to 3 times a month (same as Platinum stage).
Point-Earning Conditions for Stage Up (Salary Deposit, Loan Usage, etc.)
Points can be earned through various transactions. For example, receiving salary deposits (30 points), pension receipts (30 points), having an NCB Debit contract (10 points), direct debit for public utilities (5 points per utility), and using a home loan (70 points). By combining these transactions, you can aim for a higher stage.
How to Enroll in the Service and Benefit Application Timing
To enroll in the NCB Point Service, simply register your savings account with the Nishi-Nippon City Bank app. Your stage is determined based on your transaction status at the end of each month, and the benefits are applied for one month, from the 15th of the following month to the 14th of the month after that.
Source: NCB Point Service | Various Services | Nishi-Nippon City Bank
General Precautions When Using Nishi-Nippon City Bank at Convenience Store ATMs
Transaction Limits: Daily and Per-Transaction Limits for Withdrawals, Deposits, and Transfers
Nishi-Nippon City Bank cash cards have a daily transaction limit. The initial setting is 500,000 yen for magnetic stripe/IC cash cards and 1,000,000 yen for biometric authentication IC cash cards. This limit can be changed at a branch. Additionally, convenience store ATMs themselves may have per-transaction limits (e.g., withdrawals up to 200,000 yen, deposits up to 500,000 yen).
Handling of Coins: Not Supported for Withdrawals or Deposits at Convenience Store ATMs
At all convenience store ATMs (Seven Bank ATM, Lawson Bank ATM, E-net ATM, AEON Bank ATM), coin withdrawals and deposits are not possible. Only banknotes are handled.
Use of Passbooks: Not Available for Updates or Transactions at Convenience Store ATMs
At all convenience store ATMs, you cannot use a Nishi-Nippon City Bank passbook for updates or transactions. Transactions at convenience store ATMs are only possible with a cash card.
How to Check System Maintenance Times
During Nishi-Nippon City Bank’s system maintenance periods (e.g., Sundays and holidays from 9:00 PM to 7:00 AM the next day), no Nishi-Nippon City Bank transactions can be made at any convenience store ATM. Since temporary maintenance may also occur, it is recommended to check the latest information in advance on the official Nishi-Nippon City Bank website.
Source: Nishi-Nippon City Bank | Making a vibrant Kyushu and Fukuoka even more vibrant
PIN Management and ATM Security
When using an ATM, take security measures such as covering the keypad with your hand when entering your PIN to prevent others from seeing it. Also, manage your PIN strictly so that it is not known to others, and avoid using easily guessable numbers like your date of birth.
Q&A Regarding Nishi-Nippon City Bank Use at Convenience Store ATMs
Q1. When do the NCB Point Service fee waivers apply?
A1. Your stage is determined based on your transaction status at the end of each month, and the benefits are applied for one month, from the 15th of the following month to the 14th of the month after that. For example, the benefits for a stage determined by your transaction status at the end of June will apply from July 15th to August 14th.
Q2. Are the fees the same at convenience store ATMs outside of Fukuoka Prefecture?
A2. Yes, for Seven Bank, Lawson Bank, E-net, and AEON Bank ATMs, the fee structure is the same even when used at stores outside of Fukuoka Prefecture. The NCB Point Service waiver benefits also apply in the same way (excluding AEON Bank ATMs).
Q3. Are the fees for the NCB Debit Card the same as a regular cash card?
A3. Yes, when you use an NCB Debit Card for a “cash withdrawal” at a convenience store ATM, the same fee structure as a regular cash card applies. Additionally, having an NCB Debit Card contract is eligible for earning points in the NCB Point Service.
Q4. Can corporate cash cards be used at convenience store ATMs? Are the fees different from those for personal accounts?
A4. Corporate cash cards can also be used at partner convenience store ATMs, but the fee structure is different from personal accounts. Also, the “NCB Point Service” benefits do not apply. Please check Nishi-Nippon City Bank’s guide for corporate services for details.
Q5. If I make a transfer at a convenience store ATM, when will it be reflected in the recipient’s account?
A5. If the recipient’s financial institution supports 24-hour instant transfers, it will generally be reflected immediately. However, depending on the system status of the recipient’s financial institution, the state of the recipient’s account, or the time the transfer is made, it may be processed on the next business day.
Q6. What are the fees and operating hours during the year-end/New Year and Golden Week holidays?
A6. For public holidays and substitute holidays, the Sunday fee structure applies. During the year-end/New Year and Golden Week periods, the fees basically follow the calendar, but service hours may change due to system maintenance. It is recommended to check the announcements on the official Nishi-Nippon City Bank website in advance.
Q7. Do users of the Nishi-Nippon City Bank app get a waiver on convenience store ATM fees?
A7. You need to register a savings account in the Nishi-Nippon City Bank app. To receive the fee waiver, you must meet the conditions for the Silver stage or higher in the “NCB Point Service.”
Q8. What are the possible reasons if my Nishi-Nippon City Bank cash card doesn’t work at a convenience store ATM?
A8. The main possible reasons are as follows:
・Incorrect PIN, or the card being locked due to multiple incorrect entries
・Magnetic stripe failure or IC chip damage on the cash card
・Exceeding the transaction limit
・Insufficient account balance (including the amount for fees)
・During system maintenance by Nishi-Nippon City Bank or the ATM operator
If the issue is not resolved, please contact the Nishi-Nippon City Bank call center or a branch.
Source: Contact Us | Nishi-Nippon City Bank
Last updated: June 19, 2025