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Cash Management

This account is for you if you want to earn high interest on your substantial balance while still having access to your funds whenever you want.

Account keeping fee $0
Transaction type Monthly fee free zone Fee per excess transaction
Heritage on-line banking Unlimited Free
Heritage Access Line phone banking
SMS Account Enquiries
Direct credits
Direct debits
Cheque deposits
Counter cash deposits
Heritage ATM withdrawals, transfers and balance enquiries
Presented cheques 10 $1.00
Counter cash withdrawals, transfers and BPAY
Network ATM withdrawals and balance enquiries $1.75
SMS Alerts 0 $0.25
Bank@Post balance enquiries 0 $3.00
Bank@Post cash withdrawals 0 $3.00
Bank@Post cheque deposits# 0 $3.00
Bank@Post cash deposits# 0 $3.00
Non-Heritage counter withdrawals (Visa) 0 $2.50
Overseas ATM or counter withdrawals (Visa) 0 $5.00 plus 3% overseas currency conversion fee
# Special zoned members (those with a residential postcode recorded by Heritage within the range 0000 to 3999, 4385 to 9999, 4311, 4312, 4313, 4360 and 4361) may make unlimited Bank@Post transactions without attracting transaction fees.

Please read the Guide to Heritage Deposit Products (available in branch, by phoning 13 14 22 or here) and consider whether this product is right for you.

* Home loan comparison rate based on a $150,000 loan over 25 years.  Fixed loan comparison rate applies only for loans with an LVR of 80% or less and a loan amount of $150,000 to $249,999.  WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Interest rates are on a per annum basis. Rates are correct as stated and subject to change without notice. Rates shown are for new loans and do not apply to switches or internal refinances.

Home Advantage Variable rates include discounts shown from the Standard Variable rate. Home Advantage Living Equity rates include discounts from the Living Equity rate. Discounts are based on total lending in the package. Discount Variable LVR rates are for new lending and include discounts from the Discount Variable Loan Rate.  Discounts are not available in conjunction with any other interest rate discount or special offer. All fixed rates are fixed for the period stated and revert to the variable rate applying at expiration of the fixed term. To approved applicants only. Conditions, criteria and fees apply.

Loan to Value Ratio (LVR) is the loan amount divided by the value of your security property (determined by Heritage Bank at assessment), multiplied by 100. Owner Occupied loans have a maximum LVR of 95%, Investment loans have a maximum LVR of 80% and Living Equity has a maximum LVR of 80%. Heritage is not accepting any new investment applications until further notice.

This advice has been prepared without taking into account your objectives, financial situation or needs. Because of this you should, before acting on this information, consider its appropriateness having regard to your objectives, financial situation or needs.

Generate a personalised Key Fact Sheet based on your loan amount, term and repayments. This tool is provided to help you compare home loans from Heritage with other financial institutions.