Terms and Conditions
General
- Identification for Opening New Accounts
- Ongoing AML/CTF Identification Requirements
- ATM Reform / ATM Direct Charging
- Electronic and Card Security information (pdf, 71KB)
Notice to Heritage Bank Customers
From the 20 March 2017, there will be some fee changes that apply to your account. The notice below includes the changes that may effect you.
- Notice to Customers (Effective 20 March 2017)
Financial Services Guide
- Financial Services Guide (Effective 1 January 2017)
Fees and Limits Guide
- Fees and Limits Guide (Effective 20 March 2017)
Deposit Products
Fees, charges and conditions of use related to savings and transaction accounts, business accounts and term deposits.
- Guide to Heritage Deposit Products (Effective 1 January 2017)
Credit Products
Fees, charges and conditions of use related to all credit products, including credit cards and overdraft products.
- Guide to Heritage Credit Card Products (pdf, 835KB) (Effective 1 January 2017)
- Guide to Break Fees (pdf, 241KB) (Effective March 2016)
Credit Guide
- Credit Guide (pdf, 306KB)
Member Referral
Find another reason to love Heritage, when you refer a family member, colleague or friend to us, you can both go into the draw to win a $1,000 gift card! And if your friend gets a Home Loan in the first three months of joining, you can both receive a $250 gift card.
Terms of Use - Heritage Bank Social Media
* Based on a $150,000 loan over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.