Business Cheque Account

Our low-cost Business Cheque transaction account is designed with small to medium businesses needs in mind. Whether you're a Sole Trader, Company or Trust, this account can help you handle your day-to day transactions efficiently.



  • $0 monthly account keeping fee^
  • Get money out fee free at Heritage ATMs and big 4 Bank ATMs in Australia~
  • Use your device to make secure payments on the go
  • 24/7 award winning local customer service
  • Choose a Visa Debit Card and/or a chequebook
  • Cancel or lock your card and block selected transaction types in our Mobile Banking App
  • 50 or 100 leaf cheque books with duplicate deposit books free of charge
  • eStatements available
  • If paper statements are required these can be posted after 100 transactions, six months or on request
  • Business overdraft facilities available
  • Transact through Bank@Post
Mozo People's Choice Awards 2022


Monthly account keeping fee^

Interest Rate
$1 or more
Interest calculated on daily balances and paid 3 monthly
Interest Rate
Interest Rate
Rates Effective From 01/08/2022
Transaction fees

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 Free


Heritage Online Security Token to authorise batch payments

$50 per token, every 3 years. Includes replacement tokens 

How to open a business account
At Heritage, we make it our business to understand your business. Whether you're a Sole Trader, Partnership, Company or Trust, we'll need you to provide some specific information to get your new business account up and running. 
Research tools
Budget planner
Savings calculator
Term deposit calculator
How to save more money
10 top budgeting tips
Ways to bank with Heritage
Interest rates for accounts
More interest rates

Our specialists are available to answer any of your questions, so you can choose the product that best suits your needs. They can also help with internet banking, card management and lots more.  Tap here for live assistance.