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Smart Start Package

If you are 18 to 29 years old and working, Northern Inland has an ideal account package that will help you make a smartSTART to your future.

  • smartSTART Access account for everyday use with a Visa Debit Card
  • smartSTART Bonus Saver1 account to earn a higher interest rate on your savings (min $1500/mth deposit required)
  • No establishment fee on any future personal loans
  • A complimentary consultation with a Bridges financial planner (worth $330)
  • A complimentary Smart Financial Check to ensure you have all your banking needs covered
  • Access to insurance for whatever you need - car insurance, travel insurance, house and/or contents insurance


smartSTART Access account (S16)

Access funds via paywave or press ‘Credit’ for unlimited transactions with your Visa Debit Card Yes
All other transaction fees including EFTPOS and rediATM withdrawals will be rebated 5 free every month
Online, mobile and smartPAY app banking available Yes
Load your Visa Debit card into our NICU smartPAY app and Android PayTM, as your preferred card for EFTPOS payments Yes
Online Statements only Yes
Monthly Fee No
Cheque Facility No
Sub-accounts available No

smartSTART Bonus Saver account (S15)

Sub-accounts available for budgeting or saving for a car, house, wedding, holiday etc Up to 6 sub-accounts allowed
Minimum $1500 direct credit must be received monthly into smartSTART Bonus Saver in order to receive bonus interest Potential rate 2.75% pa
Interest calculated daily, paid monthly
Online Statements only Yes
Dynamic (instant) sweep from Bonus Saver to smartSTART Access account for direct debit transactions and periodic/future payments Yes
Find out your insurance options NICU - View our interest rates Calculate your borrowing power
  Useful Links and Tools

Read the smartSTART Access account & smartSTART Bonus Saver Product Fact Sheets to determine if the account suits your needs.

Terms & conditions, eligibility criteria apply. 1. Minimum $1500 direct credit must be received monthly into smartSTART Bonus Saver in order to receive bonus interest. Interest rate if minimum deposit is not made into Bonus Saver is 0.00%

Bridges Financial Services Pty Ltd (Bridges). ABN 60 003 474 977. ASX Participant. AFSL No 240837. In referring members to Bridges, Northern Inland Credit Union does not accept liability or responsibility for any act or omission or advice provided by Bridges or its Authorised Representatives. Bridges is part of the IOOF group.


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Call us on 1300 65 65 81
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