after posting my previous entry, i got a response from Bank2 suggesting that i close SA2 and SA3 and open a new account (which is an online call account at 8.2% that i want actually!) instead. the sender attached an application form and the scanned document of Advice to Close Account with details in it already. so cool! j and i decided that could wait until next week, but i'm glad that i don't have to maintain 2 accounts and consider them as 1. simplicity!
oh, i forgot to mention that i got myself The Wealth Guide from Westpac. it's really simple to follow. you should get one if you're looking at investing in NZ.