Business Overdraft Facility

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


  • 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
Mozo People's Choice Awards 2022

Interest Rate
Residential Security
Non-residential Security
Interest Rate
Interest Rate
Rates Effective From 20/06/2022
Interest Rate
Indicator Rate Business Overdraft
Rates Effective From 20/06/2022

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. 
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