Terms and Conditions
Financial Services Guide
Financial Services Guide (Effective 1 January 2017)
Fees and Limits Guide
Fees and Limits Guide (Effective 20 March 2017)
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)
Fees, charges and conditions of use related to all credit products, including credit cards and overdraft products.
Guide to Heritage Credit Card Products (Effective 1 January 2017)
Guide to Break Fees (Effective March 2016)
Credit Guide (pdf, 313KB)