Simply Access

A transaction account designed for easy transactions and access to your money for everyday spending.

  • $0 account fees

Save money with no monthly account keeping fees

  • National ATM Network

No feeson a network of over 10,000 ATMs across Australia

  • Digital security

Cancel or hold your cards and block selected transaction types

  • Payments on the go

Use a range of smart devices to pay

  • 24hr local service

24 hours, 7 days a week mobile, internet and phone banking

  • 5 minute set up

Start using your account in as little as 5 minutes

  • Free internet, phone and mobile banking transactions
  • Visa Debit card or chequebook available 
  • eStatements available
  • Transact through Bank@Post*
Ways to bank with us

Keep moving with wearable payment technology including Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.



Monthly account keeping fee

Transaction Type 

Fee Per Transaction

Direct credits and debits 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 
 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. 

Interest Rate
$1 or more
interest calculated on daily balances and paid quarterly
Interest Rate
Rates Effective From 09/12/2019
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