Business Overdraft Facility

The Heritage Business Overdraft Facility covers you by providing a flexible line of credit in conjunction with a Business Cheque Account.

Features

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  • 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 the Business Visa credit card may be a suitable replacement
  • No maximum amount restriction

Bank Of The Year for Customer Satisfaction

Heritage has been awarded Roy Morgan's 2018 Bank Of The Year for Customer Satisfaction. Just another way we're putting People first.

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2018 Roy Morgan Bank of the Year for Customer Satisfaction

Heritage is proud to be awarded 2018 Bank of the Year for Customer Satisfaction and we want to share the love! 

If you'd like to switch to a bank with award winning customer service, we're here to help you through the process and beyond.

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Rates

Interest Rate
Residential Security
Non Residential Security

Residential Security

Interest Rate
5.74%

Non Residential Security

Interest Rate
6.74%
Rates Effective From 24/08/2016
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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