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.

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HB 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

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

Regular Savings Account for individuals above 18 years

  • Account Opening Balance of N2,000
  • Minimum Balance N1,000
  • No limit to single or cumulative deposit/balance
  • Access to Internet and Mobile banking
  • Debit and Prepaid Cards (available on request)
  • Account is for individuals 18 years and above
  • Lodgment of Cheque

HB BUD

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

HB PLUS

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

  • 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

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 card
  • Internet & Mobile banking
  • Account Opening Form

 

Documents Required

  • 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 verification.

For cheque lodgement, reference will be required.

SALARY-PLUS GOLD

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 ID
  • 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

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

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

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
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