Heartland Bank
Access Account
Our Access account is your complete everyday transaction account.
Savings & transaction accountsBank updated 13 Mar 2026
At a glance
- Base rate
- 0.00%
§ 01 — Rates · 1
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | — | — | — | 0.00% | — | paid every 1 mo; All the balances are eligible for advertised interest rate and is calculated as per the general terms. |
§ 02 — Fees · 12
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Audit certificate | Event | $35 | — | Fee charged for Audit Certificates. |
| Dishonour fee | Event | $10 | — | Dishonour fee charged on Pay anyone, BPAY, cheque and Direct Debit dishonours. |
| Emergency card replacement | Event | Varies | — | Emergency card replacement fee is charged by Visa at cost. Which is usually around $175-$200 USD. |
| International transaction fees | Event | Varies | — | When a visa debit card is used overseas for purchase/cashout, the fees charged is 1.5% of the Australia dollar transaction amount. This is added to the total transaction, which will display on the st… |
| Overdrawn account | Event | $10 | — | Fee charged on overdrawn accounts (per occurrence). |
| Special answer (cheque deposits) | Event | $15 | — | Special answer fee for cheque deposits. |
| Statement reissue | Event | $5 | — | Fee charged when statement is reissued on behalf of customers by us. Fee charged per statement reissue. |
| Stop cheque fee | Event | $15 | — | Stop cheque requests - lost or stolen. Fee is per cheque. |
| Visa Debit card - replacement (express post) | Event | $22.50 | — | Visa Debit card replacement (express post). Replacement by regular post is fee-free. |
| Voucher retrieval | Event | Varies | — | Fee charged for voucher/information retrieval by us. |
| Periodical payment - Branch assisted | Payment | $5 | — | Fee charged when periodical Pay anyone or BPAY payments are made on behalf of customers by us. Fee charged per transaction. |
| Electronic transfer - Branch assisted | Transaction | $10 | — | Fee charged when one-off Pay anyone, BPAY, or transfers are made on behalf of customers by us. |
§ 03 — Features
Offset accountDigital bankingUnlimited transactionsThe Visa Debit card can be added to Apple Pay.
§ 04 — Eligibility & limits
- · Minimum age 14
- · Residency: To open an account, you must be solely a tax resident of Australia.
- · To open an account, you must be an existing customer with a valid email address and an Australian mobile number.
§ 05 — Compare
§ 06 — Run the numbers
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Published by Heartland under the Consumer Data Right, last changed by them on 13 Mar 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.