Heritage Bank Club Cheque

Ensure you non-profit funds go towards things that matter by keeping them in an account that won’t dwindle them down with excessive fees and charges.

Club Cheque from Heritage Bank provides charitable and non-profit groups a way to manage their money without minimal fees. With low or no fees for most transactions, you can ensure that the bulk of your non-profit contributions are being spent on something worthy.


Account keeping fee


ATM withdrawal fee


Overseas ATM withdrawal fee


Overseas transaction fee

of transaction value

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Product NameHeritage Bank Club Cheque Account
Monthly account fee$0
Card accessNo Debit card
ATM Withdrawal Fee$0
International ATM Fee$5 + 3%
International transaction fee3%
Monthly deposit required to waive account feeN/A
Contactless PaymentsGoogle Pay, Apple Pay, Samsung Pay, Fitbit Pay, Garmin Pay

Key features


In order to be eligible for Bank Cheque, you must be representing an Australian non-profit or charitable organisation.

Minimum operating balance

You must be able to maintain a minimum balance of one dollar in order for the Club Cheque account to remain active.

How to apply


All Heritage Bank accounts including the Club Cheque are only available to existing members. In order to open this account you must also apply for membership at the same time. This can be done online but keep in mind that you will be asked to pay a $1 fee for your membership share of the credit union. Other eligibility requirements for this account include:

  • Minimum age. While there is no stipulation made for how old you must be to open a Club Cheque account, you will need to be a verifiable representative of a non-profit or charitable organisation.
  • Residency requirements. The non-profit or charitable organisation you represent must be in operation in Australia, and you will have to be a permanent resident or citizen of Australia in order for the application to be accepted.

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