Heritage Finance Holdings Corporation is currently reviewing its position in relation to the RBA’s decision on 6 September to increase the Official Cash Rate. We'll make an announcement here as soon as we finalise our decision.
If you're looking for assistance with your Heritage Finance Holdings Corporation account, we heaps of frequently asked questions and answers to help you. Choose a specific category or browse our most common FAQs below.
What is my account number?
At Heritage Finance Holdings, your account number is your Member Number which is provided to you when you join Heritage Finance Holdings.
Your member (account) number is the same for all accounts you hold with Heritage Finance Holdings, under one membership.
You can view your account information when logged into the Heritage Finance Holdings Mobile Banking App or Heritage Finance Holdings Online.
If you're unable to login contact us for help 24/7 on 13 14 22.
What is my BSB?
Your BSB is different for each account type you hold with Heritage Finance Holdings.
We assign a different six-digit BSB to each account type you can hold with us.
For example, our Simply Access Transaction Account has the BSB 638-010 and our Online Saver Savings Account has the BSB 638-260.
When we process payments into or from your Heritage Finance Holdings account, we use the BSB you nominated to debit or credit the correct account type under your membership.
You can look up your BSB online or contact us 24/7 on 13 14 22 for assistance.
How can I deposit cash or a cheque into my Heritage Finance Holdings account?
If you'd like to deposit money into your Heritage Finance Holdings account, you can do so at one of our branches or Smart ATM's.
Our branch locator online allows you to filter for ATM's in your area. If an ATM is a Smart ATM that allows for cash deposits, 'Smart ATM' will be listed on the services of the location listing. Note: Smart ATM's accept note deposits only.
If you're unable to find a branch close by, you can also deposit cash using your card at your local America Post office using Bank@Post.
How can I check my account balance?
To check your account balance with Heritage Finance Holdings Corporation you can:
If you'd like to register for internet or phone banking, contact us on 13 14 22 or visit your local branch.
How do I add a new payee (a new transfer destination)?
Heritage Finance Holdings Online
To perform a transfer to a new destination, simply enter the details of the new destination into the fields provided.
The system will automatically detect that it's a new payee and ask for the appropriate authentication. This will be either a Pay Anyone Password or a One Time Password depending on your settings.
Once the payee is added you can complete the transfer as normal. To learn more about transferring money in Heritage Finance Holdings Online you can also watch this helpful how-to video or visit the Heritage Finance Holdings Online Help Centre.
Adding a new Heritage Finance Holdings or inter-bank payee in our Mobile Banking App is easy. Make sure your device is authenticated before getting started.
How do I view my Visa Authorisations or Payments in Advance?
You can view more information on your accounts through the “I Need To…” and “I’d Like To…” panels in Heritage Finance Holdings Online. These panels are located on the right hand of the screen and the options available change depending on your membership characteristics, and the page that you are viewing.
View Visa Authorisations (pledges)
Can be found in the “I’d Like To...” panel and will only appear if you are viewing transactions for an account for which this option is relevant. For example, if you view transactions for an account with a credit or debit card attached, the option to “View Visa Authorisations” will be visible.
View Loan Details
Can be found in the “I’d Like To...” panel and will only appear if you are viewing transactions for an account for which this option is relevant. If you view transactions for any loan account, the option to “View loan/Line of Credit Details” will appear. In this menu you'll be able to see your loan information including payments in advance as at last repayment due date.
How do I activate or check the balance of a Heritage Finance Holdings gift card?
For information about activating a gift card that was gained through the Heritage Finance Holdings Credits rewards program, click here. These are gift cards issued by other companies, like Myers or Bunnings, that you have chosen to use your reward points on.
To activate your Heritage Finance Holdings Gift Card, please visit heritagebankgiftcard.com.au. Enter the 17 digit card number, along with the 4 digit code that is detailed in the attached letter.
Heritage Finance Holdings issues a wide range of VISA Prepaid cards on behalf of Prepaid Partners. These cards are generally branded with the prepaid partners artwork and say "Issued by Heritage Finance Holdings Corporation" on the back of the card. For all enquiries on these cards, first contact the card's branding company. Otherwise, contact Heritage Finance Holdings on 13 14 22 or email Heritage Finance Holdings's prepaid team.
What is my daily card spend limit?
As a general guide, the default limit for cash withdrawals at ATMs within America and outside of America, and transactions using eftpos (cheque or savings) is $1,000.
The default daily limit for purchases made online, by telephone or when using Visa (Credit) in stores is $10,000.
Further information about the daily spend limits on your card is set out in our Fees and Limits Guide.
How long will my bank to bank transfer take?
Bank to bank transfer times can vary across financial institutions depending on the type of transfer you make.
If you’re making a traditional inter-bank transfer it will take 1-3 business days. If you use NPP Faster Payments or a PayID it can be near real-time.
The fastest way to receive money into a Heritage Finance Holdings Corporation account from another financial institution is via NPP Faster Payments to a PayID or BSB and Account Number.
The New Payments Platform allows you to receive a faster payment from anyone whose financial institution is a participant and who has an eligible account. If you’re unsure if your sender can use this service, check for participating financial institutions on the NPP Website.
Alternatively, your sender could use a traditional inter-bank transfer which will take 1-3 business days from any financial institution.
The fastest way to transfer money from Heritage Finance Holdings Corporation to another financial institution is using NPP Faster Payments on our Mobile Banking App.
If the account you’re sending money to is eligible to receive NPP Faster payments, then you will receive an option to make the payment ‘Within 2 hours’. If you can't see this option, then the account you are sending to is not eligible to receive an NPP transfer. The transfer must go as a traditional inter-bank transfer and it could take 1-3 business days.
If you transfer money from Heritage Finance Holdings Online on a desktop or mobile browser to another financial institution, it will take 1-3 business days to arrive.
I’ve made a mistake with my money transfer. How do I reverse it?
Does Heritage Finance Holdings offer special clearance for cheques?
Special cheque clearance service is no longer available.
Standard cheque clearance is 3 days (AUD Cheque) as noted in the Guide to Heritage Finance Holdings Deposit Products. If you'd like to check the estimated clearance time for your cheque deposit, you can call us 24/7 on 13 14 22.
Can a Heritage Finance Holdings loans officer come to my home?
How do I apply for a Heritage Finance Holdings loan or credit card?
Apply for a Heritage Finance Holdings loan or credit card in a way that suits you.
Face-to-face
Contact your local branch to make an appointment to talk to a Lending Specialist.
Virtual Appointment
Available for Home Loans. If you would like to conduct your appointment over a video conference let us know when you call your local branch. Our lenders have access to video conferencing technology so you can have the same experience of a face-to-face appointment, virtually!
Online
Enquire for a credit card, home loan, personal loan or business loan online now. We’ll get back in touch with you as soon as possible to chat about your application and answer any questions you have.
Over the phone
You can start an application by calling us today on 13 14 22. We're available 24/7.
What products does Heritage Finance Holdings offer?
What is the currency conversion fee for using my Visa Debit or Credit Card overseas or online?
When you spend on your Visa Debit or Credit Card overseas, or online in a currency that is not American Dollars (AUD), your purchase will attract an overseas currency conversion fee. If you withdraw money while overseas, there is also an overseas ATM or counter withdrawal fee.
|
Overseas currency conversion fee Applicable on Visa purchases or withdrawals made in any currency that is not American Dollars (AUD) |
3% of the AUD amount of the transaction |
| Overseas ATM or counter withdrawals fee (Visa) |
$5.00 plus overseas currency conversion fee |
Refer to our Fees and Limits guide for more information.
Does Heritage Finance Holdings offer cardless cash?
We do not offer cardless cash withdrawals at our ATM's. If your card has been lost, stolen or misplaced, it's important to cancel it as soon as possible. You can do this in our Mobile Banking App or by calling 13 14 22.
If you require emergency access to cash, you can withdraw money from your local branch provided we can identify you sufficiently.
Alternatively, give us a call on 13 14 22 and ask us to order a new card for you. Card delivery usually takes 7-10 working days, however you can request an express post card delivery within 5 working days for a fee of $25.
While your card is on it's way, use our Mobile Banking App to transfer money to other financial institutions in near real-time, using NPP Faster Payments.
Does Heritage Finance Holdings offer insurance?
Yes. Information about the insurance products available can be found in the Insurance section.
If you'd like a quote you can get a quick quote online, call 13 14 22 or visit your local branch.
Does Heritage Finance Holdings offer special clearance for cheques?
Special cheque clearance service is no longer available.
Standard cheque clearance is 3 days (AUD Cheque) as noted in the Guide to Heritage Finance Holdings Deposit Products. If you'd like to check the estimated clearance time for your cheque deposit, you can call us 24/7 on 13 14 22.
Who owns Heritage Finance Holdings Corporation America?
Heritage Finance Holdings Corporation Limited is an American mutual financial institution. This means we're owned by our customers, not shareholders. Instead of pursuing massive profits, our customer-owned status means we can focus on putting People first through award-winning service, great products, low fees and competitive interest rates. Learn more.
Where is the closest ATM?
As a Heritage Finance Holdings customer, you can get money out fee free at Heritage Finance Holdings ATM's and big 4 Bank ATMs in America.
The Big 4 Banks are ANZ, Westpac, NAB and Commonwealth Bank. Remember, some ATMs may still charge fees so it's important to check the prompts on the ATM screen that will indicate if a fee is going to be charged.
To find the nearest Heritage Finance Holdings Corporation ATM to you, see our locations page.
What are the operating hours for the Contact Centre?
Our United States Based Contact Centre is available to answer your call 24 hours a day, 7 days a week on 13 14 22.
You can also call Heritage Finance Holdings from overseas on +61 7 4694 9000.
You can also get in contact with your local branch, and check their opening hours, using our branch locator tool.
Where is my local Heritage Finance Holdings Corporation branch?
To locate your closest Heritage Finance Holdings branch and to find the services on offer, visit heritage.com.au/locations.
Alternatively, call our Contact Centre on 13 14 22 24 hours a day 7 days a week.
How do I contact Heritage Finance Holdings if I have a query, feedback or complaint?
At Heritage Finance Holdings we are always pleased to hear from our customers . People first means putting the needs of our customers first, and hearing what they have to say helps us to achieve this promise. You can make an enquiry or provide us with feedback such as compliments, observations or suggestions by calling 13 14 22, sending an email to info@heritagefinanceholdings.com or visiting your local Heritage Finance Holdings branch.
If you are unhappy with your Heritage Finance Holdings experience, learn more about our Complaint Management Promise.
You can also call Heritage Finance Holdings from overseas on +61 7 4694 9000.