- Higher term rates paid on balances of more than $1 if left in the account for a full three months1
- Money deposited or withdrawn during the three month period earns the working rate
- Interest rates are guaranteed not to change for the three months between the account's anniversary dates
- Free internet and phone banking transactions
- Free mobile banking transactions
- Free Heritage ATM transactions
- Free SMS Account Enquiries
- Access to over 2,900 Network ATMs nationwide
- EFTPOS card, Visa Debit card, chequebook or passbook available
- eStatements available
- Transact through Bank@Post - download information sheet (PDF, 191KB)
1To earn the higher term rates, funds must remain in the account for the three month period from each anniversary date. Funds deposited for less than the three month period earn the working rate of interest. Visa Debit subject to application and approval. Please read the Guide to Heritage Deposit Products (available in branch, by phoning 13 14 22 or here) and consider whether this product is right for you.