Business Overdraft Facility

Our Business Overdraft Facility can give you flexible access to additional cash flow.

8.00 % PA
Business Overdraft Variable Rate - Residential Security
% PA

  • 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
Awards for Bank of the Year - Customer Service and Customer-Owned Institution of the Year

Interest Rate
Residential Security
Non-residential Security
Interest Rate
Interest Rate
Rates Effective From 21/11/2023

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
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
Research tools
Guide to starting a business
How to open a business account
Tips on applying for a business loan
Business loan interest rates
More interest rates
Budget planner
Savings calculator
Term deposit calculator

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.