Our commitment to you

When you join Heritage, you're not just a number; you are one of our owners and can have a voice in how we operate. We're committed to helping you through good times, and times of hardship, with genuine service and award-winning products that help you to achieve your financial dreams. 

Member Charter
At Heritage, what motivates us isn’t how much profit we can make, it’s about making people’s lives better. Our Member Charter outlines our commitment to our Heritage members.
Rewarding You
We care about rewarding loyalty, which is why we offer an ongoing Refer a Friend rewards program. You can also earn Heritage Credits through eligible purchases on your rewards credit card.
Couple with their dog happy after they were rewarded to refer a friend to Heritage Bank
Refer a friend to Heritage and get rewarded
Introduce a friend, colleague or family member to Heritage and you could be saying 'hello' to $1,000*.
Heritage Credits Banking Rewards Program
At Heritage, we reward our customers with points on rewards credit cards, as well as for their loyalty. Heritage Credits are redeemable for gift cards and home wares.
Putting People first
People first means we strive to provide you great customer service, with genuine respect and personal attention, no matter what stage of life you are. We support your local community and uphold the Customer Owned Banking Code of Practice.
Complaints & Feedback
At Heritage, our aim is always to provide you with a great banking experience. But we know that things may not always go to plan. 
Heritage in the Community 

Visit Heritage in the Community to see the community initiatives we're supporting, including OzHarvest and the annual Heritage Bank Photographic Awards.

Customer Owned Banking Code of Practice
Our 10 key promises to you are outlined in the Customer Owned Banking Code of Practice
We're here to help
We’re committed to helping our members through good times, and times of hardship. Our Australian based contact centre is available 24/7 on 13 14 22.
Heritage Bank Charitable Foundation supporting your community. Giraween.
Financial Hardship
We have policies and processes to assist members facing financial hardship, including COVID19, Flood and Bushfire Relief Packages. 
Our Policies
Member Report 2020-2021
Read our latest Member Report that includes updates on our key sustainability commitments, Transformation Program and our community support initiatives.