Terms and Conditions

General

Identification for Opening New Accounts

Ongoing AML/CTF Identification Requirements

 

Financial Services Guide

Financial Services Guide

 

Fees and Limits Guide

Fees and Limits Guide 

 

Deposit Products

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

 

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 
Guide to Break Fees 

 

Credit Guide

Credit Guide (pdf, 313KB)