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Personal Banking

Welcome to Heritage Bank Limited! Are you planning your future, buying your first car or home, or preparing for your children’s college years? Let us be a part of this process, and give us a chance to give you more! Our top-notch customer service sets us apart. And our procedures and policies were all designed to ensure that banking is simple and convenient for the customer. What’s more, our rates usually are equal to, or better than, market averages, which means that we present to you the best banking offers in Belize. Even more importantly, Heritage Bank strives to be a positive community force. Come check us out for yourselves!
Personal Banking Services:
Checking Accounts
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Manage your funds more easily with the help of Heritage Bank’s checking account services.

Regular Checking Account

Features:

  • Easy access via E-banking
  • Personalized Checkbook (regular checkbook, a checkbook with receipt stubs or a binder with check leaves.)
  • ATM Cash Card with free withdrawals (up to $1,000.00 cash daily) at any Heritage Bank or a small fee at any of the Credit Union ATM machine
  • Easy transfers between your checking and savings accounts
  • Easy deposits at any Heritage Branch or ATM machine
  • 10 Free entries (check) monthly per $100 credit balance maintained. (Additional entries have a $1.00 service charge.)
  • Free statements (available online to help you track your spending!)
  • Cash Management Services. Funds can be transferred from your savings into your checking account automatically whenever your checking funds are running low. Simply request this service.
  • Access to our network of friendly Heritage Bank Branches and associated Credit Union Partners

Requirements:

  • $250 minimum balance
  • Valid Identification
  • Current utility bill (within last 3 months) OR job letter (6 months or more employed at job)
  • One (1) bank reference is required for non-residents

Joint Checking Account

Features:

  • Ability to share account access and benefits with more than one person in an organization or family
  • Includes all benefits listed above

Requirements:

  • Same requirements as above needed for each person listed on the account

Savings

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With just $50 you can start a savings account with Heritage Bank that will help you grow your money and set the foundation for a sound financial future. We have several options depending on your needs:

Regular Savings Account

$50 minimum balance to earn interest.

Features:

  • Easy access via E-Banking
  • 2.5% interest  paid every quarter (March, June, September, and December)
  • Option of having a set amount transferred monthly from your checking account to your savings account.
  • ATM Cash Card with free withdrawals (up to $1,000 cash daily) at any Heritage Bank or a small fee at any of the Credit Unions ATM
  • Easy transfers between your checking , savings account and other accounts
  • Account passbook to help you track your balance with withdrawal and deposit slips
  • Yearly statements
  • Access to our network of friendly Heritage banks
  • NOTE – for those whose salaries are processed by Heritage Bank, no deposit is needed to open a savings account!

Requirements:

  • $50 minimum balance
  • Valid Identification
  • Current utility bill or  job letter to confirm address

Safety Deposit Box

Contact bank for details

Term Deposits

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Deposit your funds at Heritage Bank for a 3, 6 or 12-month period and receive a super interest rate that’s guaranteed! The minimum deposit is $10,000.00. You can also choose to have your interest compounded, issued as a bank draft or automatically transferred to your account. Fill out an application, and one of our customer service representatives will contact you to determine what guaranteed rate you can receive.

Term Deposit Account

Contact bank for details

Credit Cards

Effective March 1, 2018, your insurance coverage has been transferred to RF&G Life Insurance Company Limited with the same benefits. There is no increase to the premium rates but as is standard, these may be changed from time to time. Should you require further clarification regarding your Creditor Life Insurance, please feel free to contact your Relationship Officer or our Lendings Department.

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We offer the following cards:

Heritage Bank Mastercard or VISA card

Take care of all your expenses—utility bills, local or international travel and local or international purchases—with this convenient card. Heritage Bank Limited will assign you a suitable credit limit, and you can pay in full or by installments after receiving your statement. The card is accepted by all VISA and Mastercard participating merchants countrywide. VISA Classic and Mastercard Standard carry a BZE dollar line of credit, are accepted at millions of locations around the world. Obtain cash with your cards from any automatic teller machines which display your card’s logo. You can also get cash from any bank displaying the VISA or Mastercard logos. Lost or stolen cards are usually replaced within 3-5 days after you make a report. If you’re in the US, replacement usually takes place within 48 hours.

Minimum Credit Limit:

BZ $1,000.00

Mastercard or VISA Gold Card

This is the king of credit cards. Ownership of this card gives you access to range of services offered by the Visa and Mastercard Gold Assistance Center throughout the year. These include emergency medical assisstance, legal referral assistance, emergency transportation service, prescription and delivery of valuable documents assistance, etc.

Minimum Credit Limit:

BZ $10,000.00

Mastercard EMV Chip cards Coming Soon!

View our Credit Card E-Banking Guide

Loans

Effective March 1, 2018, your insurance coverage has been transferred to RF&G Life Insurance Company Limited with the same benefits. There is no increase to the premium rates but as is standard, these may be changed from time to time. Should you require further clarification regarding your Creditor Life Insurance, please feel free to contact your Relationship Officer or our Lendings Department.

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We offer you consumer loans, mortgages and overdraft facilities at reasonable rates, with the customized attention you expect from a community-based bank.  Whether you’re going on a vacation, buying a car, or redecorating your living room. Fill out a Heritage Bank loan application or contact our loan officers to secure loans starting at $1,000. Our friendly loan officers are ready to meet with you to come up with a payment plan that suits your needs.

Choose Heritage Bank when you’re ready to get a loan because of our:

  • Friendly and efficient service
  • Reduced  loan rates to compete with the lowest on the market
  • No penalty fees for early payment
  • Automatic payment deductions to loan account

APPLY ONLINE NOW

Get approval within 48 hours

For more information about our loans visit your nearest branch in San Pedro, Orange Walk, San Ignacio, Dangriga, Belmopan, Benque or Independence or contact our loan officers in Belize City:  Sharima Hoare and Gina Castillo at (501) 223-6783/5698 or contact us by e-mail.

Our friendly loan officers, countrywide, will be happy to assist you with the best payment plan for your needs.

Loan Calculator

Calculate your monthly payment. Fill in the numbers to calculate your possible monthly payment. This tool is meant to be used to give you a general idea of your monthly payments – it is NOT a guaranteed rate or an official quote from Heritage Bank Limited.

Loan Calculator Mortgage Calculator
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Mortgage Loans

Effective March 1, 2018, your insurance coverage has been transferred to RF&G Life Insurance Company Limited with the same benefits. There is no increase to the premium rates but as is standard, these may be changed from time to time. Should you require further clarification regarding your Creditor Life Insurance, please feel free to contact your Relationship Officer or our Lendings Department.

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Get that dream house you always wanted sooner! (Also, renovate your home or restructure your debts.) Our mortgage specialists will sit with you to put together a package that suits you best.

Choose Heritage Bank Limited when you’re ready to buy or renovate because of our:

  • Friendly and efficient service
  • Reduced loan rates to compete with the lowest on the market
  • Heritage Bank provides 90% financing, so only 10% owner’s equity is required from the borrower!
  • You can repay at competitive interest rates over a repayment period that can extend to 20 years.
  • Automatic payment deductions to loan accounts
  • Home insurance and/or life insurance can also be included in your loan package so you can enjoy your home without anxiety

To Apply For A Loan

  • Visit any of our branches for personal assistance,contact our friendly loan officers at (501) 223-6783/5698 or contact us by e-mail

Loan Calculator

Calculate your monthly payment.
Fill in the numbers to calculate your possible monthly payment. This tool is meant to be used to give you a general idea of your monthly payments – it is NOT a guaranteed rate or an official quote from Heritage Bank Limited.

Loan Calculator Mortgage Calculator
Mortgage CalculatorLoan Calculator
$
%
years
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$ per year
$ per year
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Overdrafts

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Come and arrange an overdraft limit with Heritage Bank Limited so you don’t have to delay important transactions due to low funds in your account. Sign checks confidently, or withdraw cash from your checking account at an ATM. Our corporate department will determine an appropriate overdraft limit based on the nature, size and stability of your business.

To Apply For An Overdraft visit any of our branches for personal assistance.

Foreign Exchange

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Purchase U.S. currency or make wire transfers with ease at Heritage Bank Limited.

Wire Transfers: Send money to any location throughout the world fast! Heritage Bank Ltd. will facilitate your transfer through the Secure Swift System.

US Currency Purchase: Purchases are subject to local exchange control regulations, so Central Bank authorization may be necessary. If buying US currency, you may need to bring in your passport and ticket. Call our customer representatives at 223-6783 to learn more.

E Banking

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Real time transactions processed online or through Digicell SMS Bundles via computer or cell phone.

Online Banking

  • Check your account history and account balances
  • Sign up for account alerts
  • Transfer between accounts
  • Transfer to friends and family
  • Make third party payments at Heritage Bank Limited and at other banks
  • Make payment to various merchants
  • Pay utility bills
  • Digicell Top up
  • Process your employees payroll from the convenience of your office

Cell Phone Banking

This feature allows customers to send a text message to “BANK” or “2265″ to retrieve banking information.

Specific codes are required to initiate different requests or initiate different transactions.

  • Text us for account balances or account history
  • Text us for account alerts
  • Use text to transfer between accounts
  • Transfer funds to friends and family
  • Pay utility bills
  • Digicell Top up

Gift Cards

Gift cards available at all branches countrywide.