Terms and Conditions


Notice to Heritage Bank Customers

Changes Guide to Heritage Deposit Products, the Guide to Heritage Credit Card Products and the Lending Terms and Conditions that may affect you.

Financial Services Guide

Deposit Products

Fees, charges and conditions of use related to savings and transaction accounts, business accounts and term deposits.

Credit Products

Fees, charges and conditions of use related to all credit products, including credit cards and overdraft products.

Credit Guide

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

Win a Month's Salary Competition

Credit Card Competition - Win $1,000 credit

* 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.