Kids Bank Account FAQs

To open an account for your child under 17 years of age, you'll need to visit your local branch.

Your child will need come with you to open an account if they are 12 years old or over. If your child is younger you might still like to take them with you and encourage them to ask questions. It’s a great way to help them own and be responsible for the account.

There are a number of things you’ll need to have to open the account – including the correct identification such as your child's birth certificate. If your child is 11 years or under, you will need to become an authorised signatory on your child's account by completing a form and providing further identification.

Yes you'll need to provide identification like your drivers licence and Medicare card to Heritage Bank when you open your kids bank account. There are lots of combinations for identification so you might like to contact your local branch or our contact centre beforehand to confirm exactly what you need.

As a parent/guardian you’ll have full operating authority on the account until your child turns 12. Once your child turns 12, they will be given full operating authority and can begin to transact on the account.