{
  "source": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUS51",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "features": [
      {
        "featureType": "OTHER",
        "additionalInfo": "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.",
        "additionalInfoUri": "https://nicu.com.au/help-support/bank-post"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No minimum repayment is required until the limit of the overdraft is exceeded. At this time, sufficient funds are to be deposited to the account to bring the balance below the agreed limit"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Yes",
        "additionalInfo": "Shop online or in store with our Visa Debit card",
        "additionalInfoUri": "https://nicu.com.au/banking/cards"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay",
        "additionalInfo": "The easy way to pay everyday with Apple Pay",
        "additionalInfoUri": "https://nicu.com.au/help-support/apple-pay"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay",
        "additionalInfo": "The convenience of a mobile wallet in your hands with Google Pay",
        "additionalInfoUri": "https://nicu.com.au/help-support/google-pay"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "24/7 access to your accounts anywhere in the world with our smartPAY App. You can also temporarily block your card or report it lost or stolen.",
        "additionalInfoUri": "https://nicu.com.au/help-support/smartpay-app"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Secure banking 24/7 from your computer or mobile with Online Banking",
        "additionalInfoUri": "https://nicu.com.au/help-support/online-banking"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "Send and receive real-time payments via Osko from your Online Banking and NICU smartPay App",
        "additionalInfoUri": "https://www.nicu.com.au/help-support/osko-fast-payments"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "Receive fast real-time payments using your mobile number, email address or ABN instead of your BSB and account number",
        "additionalInfoUri": "https://www.nicu.com.au/help-support/osko-fast-payments"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Alerts",
        "additionalInfo": "Receive notifications for transactions and balances on your accounts via SMS",
        "additionalInfoUri": "https://nicu.com.au/help-support/alerts"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Give your accountant access to your financial statements via online accounting software such as Banklink and Xero",
        "additionalInfoUri": "https://nicu.com.au/banking/business/accounting-software"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Security not required"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "2000.00"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalValue": "25000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Credit criteria and eligibility applies to all applicants. Terms and Conditions are available on application."
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "AU",
        "additionalInfo": "Individuals must be citizens or permanent residents of Australia."
      },
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": "Available for personal borrowers only"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "You can only have one Personal Overdraft account in your name."
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      }
    ],
    "fees": [
      {
        "name": "BANK@POST_TRANS",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "4.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfo": "First 5 free transactions per month for Members residing outside postcodes 2340, 2380 & 2390.",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
      },
      {
        "name": "IN_BRANCH_TRANSACTION",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfo": "This Fee is Rebateable and is added to other Rebateable Fees before the fee is applied.",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
      },
      {
        "name": "VISA_ATM_WITHDRAWAL_OVERSEAS",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
      },
      {
        "name": "BANK@POST_DECLINED_TRANS",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "4.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
      },
      {
        "name": "ALERTS",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.25"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfo": "First 8 free",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
      },
      {
        "name": "ATM_DECLINED_TRANSACTION",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfo": "This Fee is Rebateable and is added to other Rebateable Fees before the fee is applied.",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0001",
        "calculationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1Y",
        "additionalInfo": "Calculated on minimum monthly balance of savings portion when not using overdraft component, paid annually."
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.1575",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER"
      }
    ],
    "productId": "NICUS51",
    "lastUpdated": "2025-10-01T16:17:17.000+10:00",
    "productCategory": "OVERDRAFTS",
    "name": "Personal Overdraft",
    "description": "Provides an unsecured credit facility to manage your cash flow, with on call access to savings and a full range of payment services",
    "brand": "NORTHERN INLAND CREDIT UNION LTD.",
    "brandName": "NORTHERN INLAND CREDIT UNION LTD.",
    "applicationUri": "https://www.nicu.com.au/banking/banking-enquiry",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.nicu.com.au/ArticleDocuments/305/pfs_S51.pdf.aspx",
      "termsUri": "https://www.nicu.com.au/ArticleDocuments/305/pfs_S51.pdf.aspx",
      "eligibilityUri": "https://www.nicu.com.au/ArticleDocuments/305/pfs_S51.pdf.aspx",
      "feesAndPricingUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
    }
  }
}