Why separate your business and personal accounts
Here's three reasons why you should keep your business and personal accounts separate.
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Business Overdraft Facility
Our Business Overdraft Facility can give you flexible access to additional cash flow.
Features
- Overdraft limit is available on an ongoing basis
- Interest is charged only on the funds you use
- Full transaction capability with chequebook, card and online access
- Preferred minimum amount $20,000. For lesser amounts our Business Visa credit card may be a more suitable option.
- Secured by mortgage
Rates
|
||
|---|---|---|
| Interest Rate | ||
| Residential Security | ||
| Non-residential Security | ||
Owner - Occupied
Investment
Interest Rate
3.75%
Interest Rate
4.40%
Rates Effective From 13/05/2022
|
||
|---|---|---|
| Interest Rate | ||
| Indicator Rate Business Overdraft | ||
Owner - Occupied
Investment
Interest Rate
4.09%
Rates Effective From 13/05/2022
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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