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Our Transaction Accounts

Our Simply Access transaction account is just that - a simple, but flexible, transaction account that will provide you with no-fuss, 24/7 access to your income. Plus you will get:

  • $0 monthly account keeping fee
  • Visa Debit Card
  • No fees~ on a network of over 10,000 ATMs across Australia
  • 24/7 award winning local customer service

Our Online Savings Account

When you join Heritage just add an Online Saver account to your Simply Access transaction account and you can manage your savings online and earn higher interest. Some of the benefits of our Online Saver account are:

  • $0 transaction or account keeping fees
  • Great rate payable on balances from $1
  • Access to funds any time through phone and online banking only

Term Deposit

  • Investments from as little as $1,000
  • Interest can be paid on maturity, up front, fortnightly, monthly, quarterly, half yearly, or yearly 
  • Terms from 1 month up to 5 years
  • Interest calculated on daily balances
  • Backed by the Government for deposits up to $250,000

Kids Bank Account

    Establishing good spending and saving habits plays an important role in creating a great foundation for your child’s lifelong relationship with money and banking. 

    Our Target Savings Account for kids can help our youngest members establish good spending and saving habits by encouraging monthly deposits, and no withdrawals, to earn a bonus interest payment each month.

Target Bonus Earn bonus

    If you’re saving with a goal in mind, our Target Bonus savings account could help you get there sooner by rewarding you with a bonus interest rate each month you make a deposit (and no withdrawals). Some of the benefits of having a Target Bonus account are:

    • Earn a bonus interest rate above our normal rate for every month you make at least one deposit, and no withdrawals
    • $0 account keeping fees
    • $0 transaction fees
    • statements available
    • Free internet and phone banking
    • Backed by the Government for deposits up to $250,000
    • Open online today with our Simply Access transaction account

Pension Plus pension account

  • Available for retired customers aged 55 years or older, or customers in receipt of an Australian Government pension
  • Competitive step-up interest rate 
  • $0 monthly account-keeping fees
  • Backed by the Government for deposits up to $250,000
  • Get money out fee free at Heritage and big 4 Bank ATMs in Australia~
  • Open a Pension Plus transaction account at your  in Queensland and NSW