At Westpac we offer both the Tertiary and Career Starts accounts to eligible customers. The Tertiary Account is for people who are studying full time or part time at a university, polytechnic or apprenticeship. Our Career Starter Account is for people between 16 and 20 years old who are either currently employed or going straight into a job. You'll get a different everyday account and overdraft or credit limit, depending on which of the two accounts you have.