NORTHERN 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
At a glance
- Base rate
- 0.00%
§ 01 — Rates · 2
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | — | — | — | 15.75% | — | — |
| Variable | — | — | — | 0.00% | — | paid every 1 mo |
§ 02 — Fees · 13
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| ALERTS | Event | $0.25 | — | First 8 free |
| ATM_DECLINED_TRANSACTION | Event | $2.50 | — | This Fee is Rebateable and is added to other Rebateable Fees before the fee is applied. |
| BANK_CONFIRMATION | Event | $30 | — | — |
| DIRECT_DEBIT_DISHONOUR-REINSTATEMENT | Event | $12.50 | — | — |
| HONOURING_DIRECT_DEBIT | Event | $10 | — | — |
| OTHER_DOCUMENTS | Event | $50 | — | Per Hour |
| RETRIEVAL_OF_ELECTRONIC_DOCUMENTS | Event | $1.50 | — | Per Page |
| TRACE_FEE | Event | $28 | — | Refunded if Credit Union is at fault. |
| BANK@POST_TRANS | Transaction | $4 | — | First 5 free transactions per month for Members residing outside postcodes 2340, 2380 & 2390. |
| IN_BRANCH_TRANSACTION | Transaction | $2.50 | — | This Fee is Rebateable and is added to other Rebateable Fees before the fee is applied. |
| SWIFT_FEE_INBOUND | Transaction | $11 | — | Applicable when deposit/credit made to your account via the SWIFT system |
| SWIFT_FEE_OUTBOUND | Transaction | $25 | — | Applicable when a payment is sent from your account via the SWIFT system |
| VISA_ATM_WITHDRAWAL_OVERSEAS | Transaction | $2 | — | — |
§ 03 — 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.
§ 04 — Eligibility & limits
- · Residency: AU
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
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.