Business Overdraft Facility

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

  • 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
  • Secured by mortgage



Interest Rate
Residential Security
Non-residential Security
Interest Rate
Interest Rate
Rates Effective From 28/01/2020

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* $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. 
These articles may help you

We are here to help

Our specialists will help you find the right product and support you through every step of the purchase.

Enquire now

Or call 13 14 22 to speak to an expert