Having a Bank of Heritage Isle Credit Overdraft linked to your Easy Access Account is like having a pre-approved loan for those unexpected bills or that great bargain.

You can access funds with your Visa Debit Card through ATM’s/ EFTPOS.

It will cost you nothing in interest until you access the funds and even then you’ll only pay interest on the amount that you draw down.

Your repayment amount each month is 2.5% of the outstanding balance at the close of each billing statement or $5.00 (whichever is greater)

You can also make additional or more frequent repayments as often as you like.

Payments can be made via payroll deductions, periodical payments, Internet Banking, Redidial Telephone transfers or deposits through Bank@POST™.

Your Bank of Heritage Isle Overdraft may contribute to our Reduced Fees Program helping to reduce (or eliminate) fees – save on ATM and EFTPOS transactions (as well as qualify for fee rebates), personal cheques and external electronic periodical payments.