• All Heritage Bank Branches/ATMs are Online and Real Time. As such, your account can be accessed FREE of cost online.

• All customers are welcome to visit our Customer Service Representatives at any of our branches to complete the “change of address” form. An updated address verification in the form of a utility bill (no more than 3 months old), valid driver’s license is required, or an Official Bank account statement.
• If the bill is not in the customer’s name, then a letter from the person whose name the bill is in, stating that the customer resides at the address should be provided. A copy of the Identification of the person whose name is on the bill is also required.

• Your valid Social Security Card, Passport, or Voter’s Identification Card.
• Must be 18 years or older.
• Confirmation of your residential address in the form of a recent utility bill in the Account Holder’s name, Bank Statement, or a valid Driver’s license.
• Minimum initial deposit of $50.00.
• For non-residents, in addition to the aforementioned requirements, you will need a Banker’s Reference from an established financial institution with at least 24 months banking relationship/history.

• You’ll need the same information that is required when opening an individual account, but you will need it for both applicants.

• You will need the same information that is needed when opening an individual account for all BENEFICIAL OWNER(S) with 10% and above in shares, DIRECTOR(S), AND SIGNATORIES: in addition to the below.
• • Certification of Incorporation
  • Articles & Memorandum of Association or By Laws
  • Certificate of Good Standing (if Company exists for more than [1] year)
  • Certificate of Incumbency (If Company was recently registered within [1] year)
  • Subscribers’ appointment of the Company’s Director(s)
  • BCCAR Detailed Extract About Company
  • Board Resolution to open and operate bank account

If a company has several layers of Corporate Officers and/or Shareholders who are companies, the above required company documents will be needed for each Entity until the ultimate beneficial owners [natural person(s)] are identified.

• For Personal and Company Checking accounts, an initial deposit of $250.00 is required.
• For a Salary account, an initial deposit of $10.00 is required.

• Checking accounts are non-interest bearing accounts.

• Forms are available to be filled out at any of our offices countrywide and available online https://www.heritageibt.com/application-forms/.
• 50 Page check book – $10.00
• 200 Page check book – $25.00
• You may also place your orders via telephone provided that a staff member can verify your identity.
• Turnaround time is 3-5 business days
• Rush order is an additional $10.00 within 2 business days.

• HBL checks that are deposited at any of our branches become available in real time.
• Other bank’s checks that are deposited become available after three working days.

• Forms are available to be filled out at any of our offices countrywide.
• You may also place your request via telephone; provided that a staff member can verify your identity.
• You may also send in an email with request to services@heritageibt.com.
• The cost for this service is $30.00.

• Customers are allowed to issue as many checks as necessary.

• Penalty/Interest on unauthorized overdraft -$20.00
• Penalty/Interest on unauthorized overdraft -$50.00
• Request for copy of Statement- $5.00 per page
• Description of Deposit to Account – $1.00 (per entry)
• $1.50 per transaction with a minimum fee of $5.00 (excluding e-banking transactions)
• Standing order – $10.00
• Return cheques (insufficient funds) – to payee – $20.00
• Return cheques (insufficient funds) – to drawer – $50.00
• Check clearing $1-$50K – $3.00
• Check clearing $50K-$100K – $53.00
• Check clearing $100K + – $103.00
• Customer request for immediate credit on other bank cheques – $15.00 per check

• Payments processed to accounts held with other banks carry a $1.50 processing fee while accounts held with Heritage carries a fee of $1.00. For payments done using Online Banking Payroll, the processing fee to HBL accounts is free of cost.

• Yes, Safety Deposit Boxes are available for a minimum yearly fee that is conveniently deducted from your Heritage Bank Savings or Checking Account.

• As long as your credit card is linked to your Online banking you will be able to view your credit card statements online.

• Yes, if your credit card is linked to your Personal Online, you can make payments online FREE of cost. Once you have logged in to Personal Online, click the “Internal Transfer” tab and then select the credit card account you wish to pay.

• Yes, all credit card payments are real-time which means they are processed immediately and your new credit card balance can be viewed instantly.

• You will need an employment letter that shows that you have been employed for more than a year along with your ID and address verification. Other conditions may apply.

• The monthly minimum balance is 5% of your full owing balance.

• A cash advance fee is the fee assessed to any cardholder that withdraws cash from his or her credit card via the ATM or at a Bank teller. The fee is 3.5% of the amount or BZD$5.00, whichever is greater.

• Over the limit fee- $40.00- if the balance exceeds the agreed limit
• Late payment fee- $25.00 – if the monthly payment is made after the due date
• Replacement fee – $20.00
• Stamp duty due on foreign transaction of USD$50.00 and over.
• Life insurance
• Interest if full owing balance not paid by due date.

• Once the outstanding (full owing) balance is paid by the due date no interest will be charged.

• Once logged in online, click on your credit card account and the transaction history will be displayed.

• To report a lost/stolen card, immediately contact Heritage Bank Main Office at 223-5698 or 614-0697 (this is the WhatsApp number) or email us at creditcard@heritageibt.com.

• For both Personal and Corporate Online Banking, you may visit any of our branches to fill out an application form.

• Online, the username and password are emailed to the applicant. The password can easily be changed after the first sign in. Your User Name and Password are sent via email and cell phone to the email address and cell number provided on your application
• A bank representative who can identify you will be able to provide the username and password by SMS.

• Personal Online Banking is FREE of cost.
• Corporate Online Banking is FREE of cost

• To add or delete an account simply fill out an amendment form requesting the change.

• To change your password, log into https://secure.heritageibt.com/web/17466/#/login, select settings, and then click on change password. Passwords should be at least (6) characters and are also alpha numeric. (example Star24@!).

• To acquire a new password, you will need to contact the bank and provide your secret question and answer to the representative. Then a message with your new password will be forwarded to you via SMS.

• HBL offers FREE online bill pay. This includes Belize Electricity Limited, Belize Telemedia Limited, Belize Water Services, HRCU, LICU BMP, SJCU and much more. See Listing in E-banking section.