Fees and Conditions

General

Identification for Opening New Accounts

Anti-Money Laundering / Counter-Terrorism Disclosure Statement (pdf, 29KB)

ATM Reform / ATM Direct Charging

Electronic and Card Security information (pdf, 241KB)

Guides To Heritage Products

Financial Services Guide (pdf, 242KB) (Effective 1 February 2010)

DEPOSIT PRODUCTS

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

• Guide to Heritage Deposit Products (pdf, 572KB) (Effective 1 February 2010)

• Deposit products fee summary (pdf, 206KB) (Effective 16th March 2009)

CREDIT PRODUCTS

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

• Guide to Heritage Credit Card Products (pdf, 423KB) (Effective 1st February 2010)

• Guide to Heritage Line of Credit and Overdraft Products (pdf, 874KB) (Effective 1st February 2010)

• Credit products fee summary (pdf, 155KB) (Effective 1st December 2009)