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

Heritage advises that interest rates (Annual Percentage Rates) applicable to our personal Credit Card products, excluding Gold Low Rate, will change effective Friday 7 July 2017. The notice below includes the changes that may affect you.

• Notice to Customers (Effective 7 July 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

Ekka Facebook Competition 2017

Congratulation to our winners:

1. Rosanne Bonell

2. Nicole Vincent

3. Connie Souter

4. Sarah Hughes

5. Nicky Porlier

6. Louise Gordon

7. Melissa Gluch

8. Kylie Clive

9. Nicole Greig

10. Skye Yeomans

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 and conditions

Terms of Use - Heritage Bank Social Media

• Terms and conditions

Win a Months Salary Competition

• Terms and conditions