The bank account designed with you in mind.

Welcome to YouChoose, a savings account with an overdraft that lets you save when you can and spend when you want. You choose.

Apply now

The bank account designed with you in mind.

Welcome to YouChoose, a savings account with an overdraft that lets you save when you can and spend when you want. You choose.

Apply now

Earn 2% p.a. interest

YouChoose offers you 2% p.a. interest when your account is in credit, providing that extra incentive to achieve your goals.


Low 10% p.a. overdraft rate

We understand that sometimes life happens and the car breaks down, or the urge to spend becomes too much. But don’t worry – we’re here to help with a low overdraft rate when you need it.

View our YouChoose Rates, Fees and Terms here.

Show me my overdraft limit

$
Calculate

Please complete both frequency and income

You can apply for an
overdraft limit up to:
 
$

The minimum amount you can apply for is $500 and the maximum is $10,000.

Apply Now

Subject to credit check, lending criteria, rates, fees & terms.

Secured with 256-bit SSL

Has our interest sparked yours?

Apply now

Information station

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.

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.

Show me my overdraft limit

$
Calculate

Please complete both frequency and income

You can apply for an
overdraft limit up to:
 
$

The minimum amount you can apply for is $500 and the maximum is $10,000.

Apply Now

Subject to credit check, lending criteria, rates, fees & terms.

Secured with 256-bit SSL

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.

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.

Questions? We have answers

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.
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.
Our transaction cut off time is 7pm. This means that payments after that will process over the next business night. Lights out at 7pm!
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.
Check out our full fee schedule, rates and terms.
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.
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.
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