SmartSTART Package
Access account + Bonus Saver account

Designed specifically for those who are 18-29yr old and in the workforce. Use your everyday access account for transactions and your bonus saver account to save and make interest.

  • SmartSTART Access account for everyday use with a free Visa Debit Card
  • No establishment fee on any future personal loans
  • EFTPOS payments with your mobile - load your NICU Visa Debit card onto Google PayTM or Apple Pay as your preferred card, and shop without having to carry your wallet

SmartSTART Bonus SaverLeft Heading Text.

Up to

4.00Heading Text.

% p.a

Potential Interest Rate3

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.Right Heading Text.

  • SmartSTART Bonus Saver account to save and interest on your savings (min $1500/mth payroll deposit required)
  • Transfer funds to your smartSTART Access to cover card withdrawals, via our NICU App or online banking
  • Set up an automatic sweep to cover periodic payments and direct debits coming from your SmartSTART Access
  • No establishment fee on any future personal loans

SmartSTART Bonus Saver (S15)Left Heading Text.

SmartSTART Bonus Saver Product FeaturesLeft Description Text.

Enquire Online
Interest Rates
Interest Rate 0.45% p.a.
Potential Interest Rate 4.00% p.a.3

SmartSTART Bonus (S16)Left Heading Text.

Left Description Text.

Interest Calculated daily, paid monthly
Statements Online Only
Sub-Accounts available Up to 6 sub accounts allowed
ATM/EFTPOS access No

SmartSTART Access (S16)Left Heading Text.

An everyday account designed specifically for young people aged 18-29 years.Left Description Text.

Enquire Online
Statements Online Only
Sub-Accounts available No
Online Banking Yes
24/7 App Banking Yes
Digital Wallet EFTPOS Payments Google PayTM and Apple Pay available
Transaction Fee Rebate 5 Free per month
Access Funds via Paywave Yes2

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Important Information:

Terms & conditions, eligibility criteria apply. The issuer of this product is Northern Inland Credit Union Limited. Please read the smartSTART Access account & smartSTART Bonus Saver Product Fact Sheets before acquiring this product in considering and deciding whether it is right for you. The Target Market Determination for this product is available at

Android, Google Pay, and the Google Logo are trademarks of Google LLC. Apple, the Apple logo, Apple Pay, iPad, iPhone, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries.

1 Excess EFTPOS and ATM withdrawals are rebated

2 Access funds via paywave or press ‘Credit’ for unlimited transactions with your free Visa Debit Card

3 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 0.45%

4 Dynamic (instant) sweep from Bonus Saver to smartSTART Access account for direct debit transactions and periodic/future payments