Fees and Conditions

Identification for Opening New Accounts

Financial Services Guide (pdf, 170KB) (Effective 1st January 2008)

Deposit Products

Fees, charges and conditions of use related to Savings & Access Accounts, Business accounts and Term Deposits.

• Schedule of Fees and Charges (pdf, 599KB) (Effective 1st August 2007)

• Product Features (pdf, 286KB) (Effective 1st April 2008)

• Terms and Conditions (pdf, 270KB) (Effective 1st August 2007)

Credit Products

Fees, charges and conditions of use related to Credit Cards, Personal Loans, Home Loans, Business Loans and Facilities.

• Schedule of Fees and Charges (pdf, 573KB) (Effective 1st August 2007)

• Conditions of Use (pdf, 262KB) (Effective 1st August 2007)

  • CashCard
  • Easy Access Card
  • Cheque Facility
  • Credit Card
  • Verified by Visa
  • Heritage Access Line
  • Heritage On-line
  • BPAY
  • Heritage rewards