Everyday spending combined with everyday savings
YouChoose is the everyday account that rewards you with 0.50% interest p.a. on every dollar in the bank. No minimum deposit, no setup or monthly fees, and no limit on transactions. Apply online or in the Heartland Mobile App.
Talk me through the process
Apply online
Applying online is easy, you can start with $0, and it only takes minutes.
Verify your
identity
Confirm you are who you say you are with our clever facial recognition technology.
Start earning
interest
Once that’s done, your account will be opened and ready for you to start saving.
Talk me through the process
Apply online
Applying online is easy, you can start with $0, and it only takes minutes.
Verify your identity
Confirm you are who you say you are with our clever facial recognition technology.
Start earning interest
Once that’s done, your account will be opened and ready for you to start saving.
Got questions?
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.
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.
Our transaction cut off time is 7pm. This means that payments after that will process over the next business night. Lights out at 7pm!
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.
Has our interest sparked yours?
Has our interest sparked yours?
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