BM -- Ya missed an important bit in the picture.
"Banks do not normally pay interest on trust funds If any interest is earned on trust account funds it must be paid to the person entitled to it. "
Just asked SWMBO and shes been in the real estate business for 30 odd years and works with this sort of thing daily, and as she said not all Real Estate companies use the same sort of trust account. Some use their own some use the NZRET.
An example, they run a Trust Account that has no interest at all, so nothing is paid or received in extra funds, if someone deposited, 1 Million then that's it, 1 Mill in 1 Mil Out. Nowhere is it law you have to have a interest bearing account. By law it has to stay there for 10 working days unless there's a special release.