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smartStart and Package Account

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0% pa
Interest Rate

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Designed specifically for those who are 18-29yr old and in the workforce. This account compliments the smartSTART Bonus Saver as part of a package to help you access your funds daily.

  • 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
  • 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

Up to
1.50% pa
Potential Interest Rate

Make an Enquiry

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 Bonus Saver account to earn a higher interest rate on your savings (min $1500/mth deposit required)
  • Transfer funds to your smartSTART Access to cover card withdrawals, via our smartPay 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
  • 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 Product Features:
smartSTART Access (S16)
Interest Rates
Potential Interest Rate0% pa
Fees
Monthly fee$0 
Features
Cheque FacilityNo
StatementsOnline Only
Sub-Accounts availableNo
Online & Phone BankingYes 
24/7 App BankingYes
Digital Wallet EFTPOS PaymentsGoogle PayTM and Apple Pay available
Transaction Fee Rebate5 Free per month1
Access Funds via PaywaveYes2

  smartSTART Bonus Saver Product Features:
smartSTART Bonus Saver (S15)
Interest Rates
Potential Interest Rate1.50% pa
Features
Bonus Interest - Potential Rate0.66% pa3
InterestCalculated daily, paid monthly
StatementsOnline Only
Sub-Accounts availableUp to 6 sub accounts allowed
ATM/EFTPOS accessNo 
Bonus Saver sweepYes4

 

  Additional Product Information:

 

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 nicu.com.au/disclosures.
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 0.01%

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