Business Cheque Account

This low-cost transaction account is designed with small to medium businesses needs in mind and handles your day-to day transactions efficiently.

Account Features

Our 5-Star award winning Business Cheque account for small to medium business needs handle day-to-day transactions to save money with no monthly account keeping fees. Some of the account features and benefits are:

$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 card 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

View more features

  • Order a Visa Debit Card or chequebook
  • 50 or 100 leaf cheque books with duplicate deposit books free of charge
  • Statements posted after 100 transactions, six months or on request
  • Business overdraft facilities available
  • Transact through Bank@Post*




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. 


Heritage Online Security Token to authorise batch payments

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


Interest Rate
$1 or more
Interest calculated on daily balances and paid 3 monthly
Interest Rate
Interest Rate
Interest Rate
Rates Effective From 01/09/2020
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