Terms and Conditions

General

Identification for Opening New Accounts

Ongoing AML/CTF Identification Requirements

 

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 (Effective 1 January 2017)
Guide to Break Fees (Effective March 2016)

 

Credit Guide

Credit Guide (pdf, 313KB)