Money Manager

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


  • 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  • Money deposited or withdrawn during the three month period earns the working rate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 and phone banking transaction
  • Free mobile banking transactions
  • Free Heritage ATM transactions
  • Free SMS account enquiries
  • Visa Debit card or chequebook available
  • eStatements available
  • Transact through Bank@Post 
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

 Account keeping fee $0 
 Transaction type Monthly fee free zone   Fee per excess transaction
 Heritage on-line banking  
 Heritage Access Line phone banking
 SMS Account Enquiries
 Direct credits
 Direct debits
 Cheque deposits
 Counter cash deposits
 Heritage ATM withdrawals, transfers and balance enquiries
 Presented cheques  
 Counter cash withdrawals, transfers and BPAY
 SMS Alerts  0  $0.25
 Bank@Post balance enquiries  0  $3.00
 Bank@Post cash withdrawal  0  $3.00
 Bank@Post cheque deposits#  0  $3.00
 Bank@Post cash deposits#  0  $3.00
 Non-Heritage counter withdrawals (Visa)  0  $2.50
 Overseas ATM or counter withdrawals (Visa  0  $5.00 plus 3% overseas currency conversion fee
 # Members with a residential postcode recorded by Heritage within the range 0000 to 3999, 4385 to 9999 or 4311, 4312, 4313, 4360 and 4361, may make unlimited Bank@Post without attracting transaction fees for these transaction
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