Applying is easy as.
We know you’re not a fan of queues, and neither are we! We’ve made the online application process quick and painless. No queues here - online or otherwise.
YouChoose.
A savings account with an overdraft, so you can save when you can and spend when you want.
YouChoose.
A savings account with an overdraft,
so you can save when you can and
spend when you want.
Information station
No set up fees, yes please!
With YouChoose there’s no set up or annual fees so you’re free to spend or save on what you want.
Those are some fine interest rates.
YouChoose offers some of the best interest rates in town, if we do say so ourselves. A high 2% p.a. savings interest rate and a low 10% p.a. overdraft rate when you need it.
Show me the money.
YouChoose offers free and unlimited withdrawals and transactions for in-store purchases with your EFTPOS card, while our Heartland Mobile App offers unlimited transactions to any New Zealand account.
Work work work work.
Whether you’re a 9-5 trooper or a part time ranger, to qualify you must have a regular income. This could be a wage or a salary - we just need to know your earnings are consistent.
YoYo.
We expect that the amount you owe us will fluctuate and reduce to zero from time to time. And because life happens, we will regularly review your YouChoose account to ensure it meets these expectations.
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Has our interest sparked yours?
Apply nowGimme, gimme, gimme!
Apply online.
Finding out if you’re eligible is easy peasy. The online application only takes minutes.
Upload your
documents.
We’ll need your bank statements from the last three months to confirm your income and expenses. Don’t worry - we won’t judge how much you use Uber Eats.
Verify your
identity.
We need to double check your identity hasn’t been stolen by a random stranger. Facial recognition software will set you two apart.
We’ll give you
the nod.
Once we’ve done all our checks, including your credit history and finances, if approved, we’ll send you docs to sign online and details on what to do next.
Gimme, gimme, gimme!
Apply online.
Finding out if you’re eligible is easy peasy. The online application only takes minutes.
Upload your documents.
We’ll need your bank statements from the last three months to confirm your income and expenses. Don’t worry - we won’t judge how much you use Uber Eats.
Verify your identity.
We need to double check your identity hasn’t been stolen by a random stranger. Facial recognition software will set you two apart.
We’ll give you the nod.
Once we’ve done all our checks, including your credit history and finances, if approved, we’ll send you docs to sign online and details on what to do next.
How do you get to the good stuff?
Download the Heartland Mobile App to check your balance and transaction history, watch your savings grow and manage your repayments.
Let us know what you think of the app and watch The List to keep up with what we are working on next.
How do you get to the good stuff?
Download the Heartland Mobile App to check your balance and transaction history, watch your savings grow and manage your repayments.
Let us know what you think of the app and watch The List to keep up with what we are working on next.
Has our interest sparked yours?
Apply nowQuestions? We have answers
Check out our full fee schedule, rates and terms.
Great question! Interest is calculated daily and either charged or paid to your account monthly. Our overdraft interest rate is floating, meaning it is subject to change from time to time. Our savings interest rate is subject to change from time to time, without notice. Our current interest rates will always be available on our website.
Check out our full fee schedule, rates and terms.
Check out our full fee schedule, rates and terms.
We will order you a card, it will take one to two weeks to arrive, but don’t fear we’ll deliver your card straight to your door. You won’t even need to change out of your PJs.
Your new YouChoose account will come with an EFTPOS card, not a debit card that might let you fall into a midnight spending frenzy online.
Our transaction cut off time is 7pm. This means that payments after that will process over the next business night. Lights out at 7pm!
Yes, YouChoose is a savings account with a tailored, arranged overdraft limit, based on 2 months of your average income. However, you can select a lower amount to a minimum of $500 - the maximum is $10,000. If you'd prefer to focus on your savings check out our Direct Call Account for another great interest rate!
We’ll be in contact to let you know. You may be subject to what is called excess interest. If applicable, you will be charged interest at an excess interest rate on what you owe, over and above your overdraft limit. For full details see our T&Cs.
If you are having financial difficulty get in touch – we may be able to help. If you are unable to keep up your payments because of illness, injury, loss of employment, the end of a relationship, or other reasonable cause, you may be able to ask us to vary the terms of this agreement (we call this a Hardship Variation). For more information see our unforeseen hardship procedure.
To make it even easier for you, your card comes preloaded with a PIN. Although if you’d like to make this something a bit more personalised, just pop into any Heartland or Westpac branch with your ID.
Bad or good we want to hear it. At Heartland, we are proud to offer our customers a high level of customer service, and your satisfaction is very important to us. If you would like to make a complaint or offer a compliment, please contact us here.
Yes, we sure do. Find out more about making a compliment or complaint.
Keen to get in touch?
We’re here to chat Monday to Friday, 8am to 5.30pm.
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