Open any type of account for personal or business growth

Our people-centred business approach has enabled us to provide you with the exact type of account that suits your personal and/or your business needs, regardless of your age, gender or socio-economic standing.

Ignite your relationship with us by selecting an account type to get the requirements for opening.

account-types-head-img
  • HB STARTER

    heritage-bank-starter

    This is the CBN KYC Tier 1 savings account designed to cater to those referred to as “unbanked”. These are basically Financially Excluded Persons (FEPs) such as;

    • Individuals in informal employment – personal security guards, cooks, valets, petty traders, small time farmers, vulcanizers, mechanics, labourers, tricycle operators, garage boys, bus conductors etc.
    • Uneducated individuals performing menial tasks.
    • Individuals above the age of 18 with no statutory means of identification,
    • Rural dwellers

    REQUIREMENTS FOR OPENING

    • Account Opening Balance of 2,000
    • N1, 000 Minimum operating balance
    • Single Deposit Limit of N50,000
    • Maximum cumulative balance of N300,000 at any point in time
    • No ID
    • No KYC required
    • Passport photograph
    • Only basic information required:- Name, Place and date of birth, gender, address and telephone numbers registered with any of the Mobile Companies.
  • HB PRO

    hb-pro

    REQUIREMENTS FOR OPENING

    • Account Opening balance of N2,000
    • N1,000 Minimum operating balance
    • Single deposit limit of N100,000
    • Maximum cumulative balance of N500,000 at any point in time
    • Account opening form ( hard or soft copy)
    • Evidence of customer information: Passport photograph, Name, place and date of birth, gender, address etc. is required.
    • Form of ID; could be INEC voters card, National ID etc.

    Authentication of identification must be completed by the relationship manager before withdrawals are allowed from the account

  • HERITAGE SAVE SMART

    heritage-save-smart

    Regular Savings Account for individuals above 18 years

    • Account Opening Balance of N2,000
    • Minimum Balance N1,000
    • Interest on credit balances
    • Deposit allowed by 3rd party
    • Interest is forfeited after 3 withdrawals
    • Access to Debit cards
    • Access to internet and Mobile Banking
  • HB BUD

    heritage-bank-bud-account

    Is the savings account for children & teenagers — Bud Mini, Bud Teen & Bud Maxx.

    • Account Opening balance of N2,000
    • 2% interest bonus above normal savings interest rate
    • Customer forfeits the interest after two withdrawals
    • Minimum operating balance of N2,000
    • Customer must have run the BUD account for a minimum of 6 months to access the school fees loan
    • Allow account to accept deposit of dividend warrants in the name of the child
    • Free participation at the BUD career mentoring and coaching sessions once a year
    • Allow other banks cheque in the name of the child not more than N5,000 or customer will have to provide a reference
    • Access to Heritage School Fees / Education Loan
    • Self- employed individuals with provable and regular monthly income can access Personal Loan to pay wards/children’s schools fees, cash backed by the account balances in the Bud Account
    BUD logo
    Click here to Learn more
  • HB PLUS

    bonus-account

    This is a High-Yield Hybrid Account. A Savings Account that has the features of a current account with bonus interest.

    • Opening Balance N10,000
    • Minimum Balance of N10,00 (a monthly charge of N100 if balance falls below N10,000)
    • 1% bonus on normal interest rate
    • Access to non-clearing Cheque book
    • Debit & Prepaid Cards
    • Access to Internet & Mobile Banking
    • Allows other bank’s cheques
    • Allows dividend warrants
    • 2 references required
  • DOMICILIARY: Foreign Currency Account

    heritage-bank-dom-account
    • Opening Balance 100.00 ($, £)
    • Minimum Balance 10.00 ($, £)
    • 5% withdrawal fees on transaction amount
    • Application Telex & Transfer charges applies
    • Account Opening Form
    • Two passport photographs
    • Valid statutory means of identification
    • Recent utility bill
    • Evidence of address verification
    • Two (2) references

    Documentation to be waived if customer is an existing customer with current account with documentation within the last 5 years, else a new KYC is required

  • SALARY- PLUS SILVER

    silver-account

    This is specially designed for salary earners who would like to receive their salaries through a savings account with Heritage Bank. This is best suited for junior staffs of organization

    • Account Opening Balance N0.00
    • Minimum Balance N500.00
    • Applicable interest rate
    • Access to non-clearing cheque book
    • SMS Alert on all transactions
    • Access to debit
    • Interest & Mobile banking
    • Account Open Form
    • Two recent passport photographs
    • Employee’s ID card
    • Letter of introduction from Employer
    • Recent utility bill and evidence of address verification by the RM
    • Employer’s address must be physically verified
    • Valid, statutory means of identification

    Any cash lodgement above customer’s salary will be flagged and will be subject to ECMs verification

    For cheque lodgement, reference will be required.

  • SALARY-PLUS GOLD

    gold-account

    This is specially designed for salary earners who would like to receive their salaries through a current account with access to Retail Loans

    • Account Opening Balance N0.00
    • Minimum Balance N1,000
    • Cheque Book
    • Free monthly e-statement of accounts
    • Access to Retail Loans (Personal loan, Home Appliances, Auto loan etc.)
    • Access to Debit card
    • Internet & Mobile Banking
    • Account Opening Form
    • Two passport photographs of each signatory (not older than 6 months)
    • Employer’s identification card
    • Letter of introduction form employer
    • Valid means of 1D
    • Recent utility bill and evidence of address verification
    • Employers address must be physically verified
    • Two (2) references
    • Any Lodgement either cash or Cheque that is more than the customer’s monthly salary will be flagged and must be verified
  • INDIVIDUAL CURRENT

    individual-accounts

    The Current Account suitable for individuals (above 18yrs) who would like to reduce cost while transacting.

    • Account Opening Balance N5,000
    • Cheque book
    • Debit card
    • Internet & and mobile banking
    • Zero COT
    • Applicable maintenance fee
    • Account Opening Form
    • Two passport photographs
    • Valid means of ID
    • Recent utility bill and evidence of address verification
    • Two (2) references
  • PRIME CURRENT

    heritage-bank-prime-account

    Prime Current Account is specifically designed for the emerging mass affluent individuals who desire some lifestyle benefits.

    Salary Earners: – Individuals who earn N5m and above

    Self-employed individuals: – Self-employed individuals with businesses with minimum annual turnover of N60m

    • Opening Balance of N100,000
    • Minimum Operating Balance of N100,000
    • First Cheque book- FREE
    • Allow lodgement of dividend warrant
    • Access to Debit card
    • Internet Banking
    • Mobile Banking
    • Applicable maintenance Fee
    • Annual Gift vouchers (exclusive lifestyle benefits, discounts, promotions & offers)
    • Exclusive access to banks events
    • Special discount on Retail Loans
    • Other exclusive specialized benefits
  • SME BUSINESS ACCOUNT

    sme-account

    This account is specially designed registered businesses, MSMEs; SMEs

    • Opening Balance of N25,000
    • Minimum Operating Balance of N10,000
    • Cheque book
    • Zero COT
    • FREE POST Terminal
    • Applicable maintenance fee
    • Allows up to N50m turnover annually

    Value Added Services:-

    • Access to SME OD & Term Loan ( Terms & conditions apply)
    • Access to advisory service which will help you develop competitive edge business skill
    • Access to Heritage Business Fair
    • Regular networking events
Click here to chat with us LIVE