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^
  • Business Visa Debit Card
  • Get money out fee free at Heritage ATMs and big 4 Bank ATMs in Australia~
  • 24/7 award winning local customer service
  • Set up your digital wallet to make secure payments on the go
  • Cancel or lock your card and block selected transaction types in our Mobile Banking App
  • Free cheque books and duplicate deposit books
  • 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 
Awards for Bank of the Year - Customer Service and Customer-Owned Institution of the Year


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 01/05/2024
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
Whether you're a Sole Trader, Partnership, Company or Trust, we'll need you to provide some specific information to open your new business account.
Research tools
Budget planner
Savings calculator
Term deposit calculator
How to save more money
How to choose the best savings account
Ways to bank with Heritage
Interest rates for accounts
More interest rates

Our Business Banking 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 setting up your business account, internet banking and lots more.  Tap here for live assistance.