Money Manager

A more ideal account if you are looking for all the features of a transaction and term investment account rolled into one.

Features

  • 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  • Money deposited or withdrawn during the three month period earns the working rate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 first three months 
  • Free internet, phone banking and mobile banking
  • Free Heritage ATM transactions
  • Visa Debit card or chequebook available
  • eStatements available
  • Transact through Bank@Post 
Rates
Interest Rate
working rate
term rates (in addition to working rate):
$1 to $9,999
$10,000 to $49,999
$50,000 to $249,999
$250,000 or more
working rate calculated on daily balances and paid 3 monthly on the anniversary date. term rates available only on funds remaining in account for 3 months minimum.
Rates Effective From 01/07/2018
Fees

$0

Monthly account keeping fee

Transaction Type 

Fee Per Transaction

Direct credits and debits Free
EFTPOS
Free
Visa debit and Visa payWave Free
Counter cash deposits, withdrawals, transfers and BPAY® Free
Heritage ATM withdrawals, transfers and balance enquiries Free
Cheque deposits Free
Presented cheques 
Free
Overseas ATM or counter withdrawals (Visa)  $5.00 plus overseas currency conversion fee 
Bank@Post Transactions* $3.00
*Bank@Post transactions are free for members for which a residential postcode recorded by Heritage is within the range 0000 to 3999 or 4311, 4312, 4313, 4360, 4361 and 4385 to 9999. 
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