Easy Access
Provides a credit facility with a NICU term deposit or mortgage to secure the overdraft, with on call access to savings and a full range of payment services
- From
- 8.1%
- Variable
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 8.1% | — | — |
Deposit Rates
| Type | Rate | Applies To | Interest Paid |
|---|---|---|---|
| Variable Calculated on minimum monthly balance of savings portion when not using overdraft component, paid annually. | 0.01% | — | yearly |
Fees
| Fee | Type | Amount |
|---|---|---|
| BANK@POST_TRANS Capped at $0.00 · First 5 free transactions per month for Members residing outside postcodes 2340, 2380 & 2390. | Transaction | $4.00 |
| IN_BRANCH_TRANSACTION Capped at $0.00 · This Fee is Rebateable and is added to other Rebateable Fees before the fee is applied. | Transaction | $2.50 |
| VISA_ATM_WITHDRAWAL_OVERSEAS Capped at $0.00 | Transaction | $2.00 |
| ALERTS Capped at $0.00 · First 8 free | Event | $0.25 |
| BANK@POST_DECLINED_TRANS Capped at $0.00 | Event | $4.00 |
| LOAN_MONTHLY_FEE Charged monthly · Capped at $0.00 | Ongoing | $8.00 |
| ATM_DECLINED_TRANSACTION Capped at $0.00 · This Fee is Rebateable and is added to other Rebateable Fees before the fee is applied. | Event |
Features
- Overdraft available
- Security Required
- 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.
- 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
- Card access — Yes
- Shop online or in store with our Visa Debit card
- Digital wallet — Apple Pay
- The easy way to pay everyday with Apple Pay
- Digital wallet — Google Pay
- The convenience of a mobile wallet in your hands with Google Pay
Eligibility
- Credit criteria and eligibility applies to all applicants. Terms and Conditions are available on application.
- Residency status — AUIndividuals must be citizens or permanent residents of Australia.
- Individuals onlyAvailable for personal borrowers only
- You can only have one Personal Overdraft account in your name.
- Minimum age — 18 years
Constraints
- Minimum limit — $2,000.00
More Information
Published by Northern Inland Credit Union Limited under the Consumer Data Right · Last updated 29 December 2025 · Product ID NICUS50 · View on CDR.gov.au · View Source Data (JSON)