Business Cheque Account

Our low-cost Business Cheque transaction account is designed with small to medium businesses needs in mind and handles your day-to day Business, Company or Trust transactions efficiently.

Account Features

Our Business Cheque account for small to medium business needs handle day-to-day transactions to save money with no monthly account keeping fees. Some of the account features and benefits are:

$0 monthly account fee

Save money with no monthly account keeping fees

Get money out fee free

Get money out fee free at Heritage ATMs and big 4 Bank ATMs in Australia~

Digital security

Cancel or hold your card and block selected transaction types 

Payments on the go

Use a range of smart devices to pay

24hr local service

24 hours, 7 days a week mobile, internet and phone banking

View more features

  • Order a Visa Debit Card or chequebook
  • 50 or 100 leaf cheque books with duplicate deposit books free of charge
  • Statements posted after 100 transactions, six months or on request
  • Business overdraft facilities available
  • Transact through Bank@Post*


Monthly account-keeping fee

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. 


Heritage Online Security Token to authorise batch payments

$50 per token, every 3 years. Includes replacement tokens 

How to open a Business Account
At Heritage, we make it our business to understand your business. That's why we'll ask you for some specific information to get your new business account up and running. 

Interest Rate
$1 or more
Interest calculated on daily balances and paid 3 monthly
Interest Rate
Interest Rate
Rates Effective From 01/12/2021
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