Terms & Conditions

• Identification requirements for opening new accounts 
• AML/CTF Identification Requirements
• Electronic and Card Security information
• Financial Services Guide
• Fees and Limits Guide
• Target Market Determinations

Social Media Terms of Use

• Terms and Conditions

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

• Guide to Heritage Deposit Products
• Fees and Limits Guide

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

• Lending Terms and Conditions
• Guide to Heritage Credit Card Products
• Business Banking Facility Terms & Conditions
• Break Fee Information Flyer
• Credit Guide

• Refer a Friend Terms and Conditions