How to choose a business structure
Starting a business involves a number of steps. To start with, you will need to decide on a business structure.
Learn more
Business Overdraft Facility
Our Business Overdraft Facility can give you flexible access to additional cash flow in conjunction with a Business Cheque Account.
Rates
| Interest Rate | ||
| Residential Security | ||
| Non-residential Security | ||
Interest Rate
3.75%
Interest Rate
4.60%
Rates Effective From 15/04/2020
| Interest Rate | ||
| Indicator Rate Business Overdraft | ||
| Indicator Rate Residential Business Overdraft | ||
| Indicator Rate Non-Residential Business Overdraft | ||
Interest Rate
4.09%
Interest Rate
4.09%
Interest Rate
5.09%
Rates Effective From 15/04/2020
Fees
| Monthly fee | $30.00 |
| Application Fee | Available upon application |
|
Heritage Online Security Token to authorise batch payments |
$50 per token, every 3 years. Includes replacement tokens |
Transaction Type |
Fee Per Transaction |
| Direct credits and debits | Free |
| EFTPOS |
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 |
Free |
| 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. |
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