The Finance Algorithm
Northern Inland Credit Union Ltd. logoNorthern Inland Credit Union Ltd.

Everyday Account

An everyday transaction account suitable for payroll and general access. Combine with a savings account suited to you. No monthly account keeping fee.

Savings & transaction accountsBank updated 19 June 2026
Apply at Northern Inland Credit Union Limited ↗Product page ↗Fees and pricing ↗Terms ↗

At a glance

Base rate
0.00%

Rates

Every rate Northern Inland Credit Union Ltd. publishes for this account, 2 in all.

TypeApplies toTermBandRateComparisonConditions
Variable---15.75%--
Variable---0.00%-paid every 1 mo

Fees

13 fees published, grouped by when they're charged.

When you make a transaction5

  • BANK@POST_TRANS

    First 5 free transactions per month for Members residing outside postcodes 2340, 2380 & 2390.

    $4
  • IN_BRANCH_TRANSACTION

    This Fee is Rebateable and is added to other Rebateable Fees before the fee is applied.

    $2.50
  • SWIFT_FEE_INBOUND

    Applicable when deposit/credit made to your account via the SWIFT system

    $11
  • SWIFT_FEE_OUTBOUND

    Applicable when a payment is sent from your account via the SWIFT system

    $25
  • VISA_ATM_WITHDRAWAL_OVERSEAS
    $2

When particular things happen8

  • ALERTS

    First 8 free

    $0.25
  • ATM_DECLINED_TRANSACTION

    This Fee is Rebateable and is added to other Rebateable Fees before the fee is applied.

    $2.50
  • BANK_CONFIRMATION
    $30
  • DIRECT_DEBIT_DISHONOUR-REINSTATEMENT
    $12.50
  • HONOURING_DIRECT_DEBIT
    $10
  • OTHER_DOCUMENTS

    Per Hour

    $50
  • RETRIEVAL_OF_ELECTRONIC_DOCUMENTS

    Per Page

    $1.50
  • TRACE_FEE

    Refunded if Credit Union is at fault.

    $28

Features

Instant paymentsPayIDDigital bankingApple PayGoogle Pay
  • Give your accountant access to your financial statements via online accounting software such as MYOB Banklink and Xero
  • Access your personal account wherever you see an Australia Post retail outlet displaying the Bank@Post sign, if you have a card linked to the account on which you want to transact.

Eligibility and limits

  • Residency: AU

Published by Northern Inland Credit Union Limited under the Consumer Data Right, last changed by them on 19 June 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.