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.

Start your savings journey here
Applying online is easy as – and you don’t need
any money to start.
Interested in an overdraft? Learn more.
Treat yourself with YouChoose
Save a little easier with YouChoose – the account that lets you earn interest, no matter your savings balance. Plus, you won’t get pinged with any setup or monthly fees.
Need to spend a little more? You can add on an overdraft to help you manage unexpected costs, like when the car breaks down or your favourite band goes on tour. Did we mention applying online is easy as?
Start your savings journey here
Applying online is easy as – and you don’t need
any money to start.
Interested in an overdraft? Learn more.
Talk me through the process
Talk me through the process
Apply online
Applying online is easy, you can start with $0, and it only takes minutes – even if you want to add on an overdraft.
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 (or spending).
Got questions?
Check out our full fee schedule, rates and terms.
Have more questions? Get in touch with us.