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Issue 81
Working for you
The Newsletter for Heritage Bank Customers
Woolworths partners with Heritage
Woolworths representatives $30 million over a five-year period. This Woolworths and Heritage Bank then hosted
funding will be made available to eligible a lunch at the Empire Theatre for key
jetted into Toowoomba late last Australian farmers in the form of financial stakeholders from the region.
year for a full day of activities grants and interest-free loans. Woolworths
Mr Lock said Heritage had a strong track
to help Heritage launch the has chosen to partner with Heritage Bank
record of partnering with iconic Australian
as the financial administrator for the Fund.
$30 million Woolworths Organic businesses to help them achieve their
Heritage Bank CEO Peter Lock joined with business goals and was delighted to be
Growth Fund in Queensland. Paul Turner and Queensland Minister for working with Woolworths.
Senior Woolworths representatives Agricultural Industry Development and
including Head of Produce Paul Turner; Fisheries Hon Mark Furner MP for the media “We already support businesses including
General Manager Strategy, Supermarkets launch of the Fund at an organic farm at Qantas and Australia Post with their
Will Herron; and Senior Agronomist, Buying Mt Sylvia in the Lockyer Valley on the products and we are delighted that
and Marketing Alex Doyle were among the morning of 30 November 2018. Woolworths has chosen to partner with
team that came to Toowoomba for a series Heritage in launching this extremely
of sessions designed to raise awareness of That was followed by an information worthwhile initiative,” Mr Lock said.
the innovative scheme. session at the Empire Church Theatre
in Toowoomba attended by around 50 “The Fund will provide a significant
Woolworths has established the Woolworths agricultural producers who heard from boost to the organic farming sector across
Organic Growth Fund to support investment the country and Heritage is thrilled that
Paul Turner, Will Heron and Alex Doyle from
in Australian organic farming projects. we can use our expertise and resources
Woolworths about the Fund, the organic
Through the Woolworths Organic Growth industry in general, and on the process of to help our farmers via the Woolworths
Fund, Woolworths will invest up to converting to organic produce. Organic Growth Fund.”
Helping launch the Woolworths Organic Growth Fund in Queensland are (from left) Queensland Minister for Agricultural Industry Development and Fisheries
Mark Furner, Heritage CEO Peter Lock, and Woolworths Head of Produce Paul Turner.
Get the most out of Heritage helps growing Warwick customer More ways to bank Heritage helps deliver
In this your credit card coffee business brew wins $15,000 prize with Heritage Loads of Love at
issue Page 2
early success
Page 3 Page 4 Page 5
Christmas time
Page 6
Get the most out of your credit card
Credit cards can be a very each month. For example, your credit • Avoid cash advances
card statement might be issued on the
convenient way to make 17th of each month. Normally, if you
Carrying out a cash advance from
your credit card account will normally
purchases, but it’s important pay off the balance owing on your credit
attract a fee. Plan ahead so you can
to know how they work card by the statement date each month, avoid cash advances and avoid the
you can avoid paying any interest.
so you can avoid paying unnecessary fee.
• Know your interest-free period
unnecessary interest and • Pay your closing balance in full
fees. Here are some tips Many cards offer “up to 55 days” interest Credit card providers require you to pay
free, but there are a couple of things to
to help maximise the remember. First, if you don’t fully pay
a minimum repayment amount each
month, to avoid late fees and keep
benefits from your Heritage the account balance owing at the end you from defaulting. However, if you
credit card: of the previous statement period, your don’t pay your credit card in full by the
interest-free period is usually no longer due date each month, you will usually
• Know your credit card
valid. Second, the 55-day interest-free start to incur interest. The amount you
statement period
period typically begins on the opening owe will keep rolling over into the next
With most credit cards, your statement day of your statement cycle, not the day statement period, and the interest will
cycle starts and ends on the same day you make a purchase. continue accruing as well.
Community tees off for 21st Heritage
Charity Golf Day in Toowoomba
Funds raised at the 2018
Heritage Charity Golf Day have
pushed total donations past
$800,000 over the event’s
21-year history.
Heritage Bank celebrated its annual
Heritage Charity Golf Day at City Golf Club
in Toowoomba on 7 December with more
than 200 members of the local business
community teeing off for a great cause.
For the past 21 years, funds raised
from the event have been distributed
via grants to different community
and charity organisations right across Preparing to hit off at the 2018 Heritage Charity Golf Day are the DAT Media team (from left)
southern Queensland. Cameron White, Sam Dalzell and Matt Crawford with Heritage Bank’s Nate Hornery (second from left).
Heritage Bank CEO Peter Lock said, • Highfields North Eastern Downs Lions Club
delighted to bring the business community
“Supporting our people and communities
together for a great cause and for the • Rosies - Friends on the Street
is the core of Heritage. It’s something that
benefit of all.”
we are very passionate about and that • Share the Dignity
translates through to the Golf Day. This year’s beneficiaries are: • Sunrise Way
“The funds raised go towards helping • Blush Cancer Care • The Shack Community Centre
a huge number of local organisations
• Compass Institute • The Sycamore School
continue doing their fantastic work in the
community. Through the Golf Day, we’re • Toowoomba Flexi School • PCYC Toowoomba
Page 2
Working for you Issue 81
Heritage helps growing coffee
business brew early success
There are two things that There have been plenty of challenges Rosie’s family has banked with Heritage for
in building The Little Trike including the years and she had no hesitation in building
really motivate Rosie De Re long hours, issues with having to change on that relationship when taking over The
– coffee and people. locations and trying to establish a place in Little Trike.
And with the help of staff at Heritage’s such a competitive market. Staff at our Mt Ommaney branch were
Mt Ommaney branch, she is combining But Rosie has maintained a high level thrilled for Rosie winning the customer
both in her successful fledgling business. of service and product quality, and even service small business award, but were
Rosie owns and runs The Little Trike barista developed her own blend of coffee, which is certainly not surprised.
at the Mt Ommaney Centre in Brisbane’s served to the regular flow of customers. “She is very customer-service
west, with the help of her partner Vince and “I do what I love doing,” she said. “My orientated. We buy coffee from her all
her small, yet growing, staff. passions are coffee and people. the time and it’s very nice,” Heritage
She has been in operation since September Mt Ommaney Senior Customer Service
“Each customer is a special customer. I Officer Alayne Walz said.
2017 and has already built a loyal and generally know their name and definitely
appreciative clientele in just a short period. “I’ve seen her following grow and that
know their order.
is testament to her friendliness and the
So much so that Rosie and The Little Trike
“I’m happy with where I am, I’m happy with great coffee.
took out a customer service award at the
the customers and I’m happy with the bank.
Mt Ommaney Small Business Awards late “Rosie follows our philosophy of putting
last year. “I can only say good things about Heritage. people first.”
That honour vindicated Rosie’s bold “They have been very good when I can’t A move to a longer-term location at the
decision to go out on her own after years get away (from the stand). If I need change Mt Ommaney Centre started off 2019 for
of working for others in various coffee and I see one of their staff, they run and get Rosie, though the focus is still on great
shops and cafes. change for me. They are very nice.” coffee and excellent customer service.
Heritage has helped The Little Trike owner Rosie De Re develop her Mt Ommaney barista business into an award-winner.
Page 3
Working for you Issue 81
Benefits Warwick customer
extended wins $15,000 prize
to family
of staff
Heritage Bank is a
fantastic place to work,
and we’ve now made it
even better by extending
a range of benefits to the
families of staff members.
We provide our staff with a great
mix of benefits in many different
areas, including career development,
discounts on products, health and
wellbeing, flexible working conditions,
multiple leave entitlements and
performance recognition.
Now, the close families of staff
members can also take advantage of
a number of these benefits.
They include the following: Long-time Heritage customer Leila Eades (centre) receives a $15,000 cheque as winner of
Heritage Bank’s home or landlord Allianz insurance promotion from Heritage Warwick Branch staff
Home Loans* (from left) Teneil Bullow, Megan James, Rowe Alley and Tilley Leach.
• $0 application fees on discount
variable rate home loan during the
application process – saves $600 There were plenty of happy Heritage Warwick Branch Manager
Teneil Bullow was overjoyed for Mrs Eades,
• $0 annual home advantage people after Warwick’s Leila who celebrated her 82nd birthday on
package fees in the first year of
the loan – saves $350 Eades collected $15,000 30 December.
Personal Loans* through Heritage Bank’s home “Whenever we see all of the marketing
promotions come out we always hope it is
• 1% reduction on advertised or landlord Allianz insurance one of our regulars,” Teneil said.
rate of a standard personal loan
(fixed rate)
policy promotion. “I’m very happy it was Leila.”
• $0 application fees on standard The promotion meant one person who
Mrs Eades, who has five children, 11
personal loan (fixed rate) took out a new Allianz home or landlord
grandchildren and 17 great-grandchildren,
during the application process insurance policy, or renewed an existing
was keen to spread the good fortune
– saves $200 one, during Heritage Bank’s springtime
throughout her family when asked what she
promotion would receive a $15,000 prize.
At Heritage, we recognise the huge would do with the $15,000.
role families play in the lives of our A regular at the Warwick branch,
“I’m giving $1000 to all of my kids and some
staff members, so we’re really proud Leila Eades was thrilled to learn she
money to all of my grandchildren, so I’m
to have extended these benefits to was the winner of the promotion, courtesy
sharing it with family,” she said.
help them as well. of having her home contents insurance
with Heritage. Heritage offers a range of Allianz
For more information about working
insurance products for you, your home,
at Heritage, check out our website at And the long-term Heritage customer
www.heritage.com.au/about/careers. your car and more.
enjoyed sharing the great news with the
Warwick branch staff on her next visit. Go to www.heritage.com.au to find out more.
*Application fee for discount variable rate home loan up to $600. Annual fee for Home Advantage Package normally $350 for first year only. Application fee on fixed rate personal loans normally $200
and 1% reduction on advertised rate standard personal loan (fixed rate). Information correct as at 29 January 2019 and subject to change without notice.
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Working for you Issue 81
More ways to bank Customers
with us at Heritage help raise
Heritage has expanded its
range of digital payment
relevant app, then tap your compatible
device against the contactless payment $25,000 for
drought relief
terminal to complete your purchase.
services, making it quicker When making purchases using these digital
and easier for you to do your wallet services your information is kept
everyday banking. secure. Your Heritage card details are not Congratulations
stored on the device and are never shared everybody – Heritage
Here’s a recap of the services we launched with the merchant. Instead, your physical
in 2018. Heritage card number is replaced with a Bank customers helped us
New Payments Platform
‘token’ to pay for transactions. raise more than $25,000
Currently, the following digital wallet to support farmers doing
The New Payments Platform (NPP) is the services are available at Heritage:
new payments infrastructure that makes it tough via our Drought
• Google Pay™ – use your compatible
getting paid or paying someone a lot
Android™ device to pay in-store, online Angels fundraising appeal
simpler and faster. No more waiting for up
to several days for payments to be “cleared”
and via apps in Australia and overseas. late last year.
between financial institutions. • Samsung Pay – use your compatible Heritage recognised that many of
Samsung device (running Android OS 6.0
Instead, you can now receive payments our customers, and the communities
Marshmallow or above) to pay in-store in
to your Heritage Bank account from they live in, have been affected by
Australia and overseas.
participating Australian financial institutions the ongoing drought in many parts
• Fitbit Pay™ - use your compatible Fitbit of the country.
in near real-time, 24/7 by using your email
wearable as a fitness tracker, watch and
address or Australian mobile number. In August, we placed collection
a digital wallet too!
Heritage will introduce the option to send tins in all our branches and offices,
• Garmin Pay™ – pay on the go quickly
payments via the NPP at a later stage. asking staff and customers to
and easily using your compatible
make a donation to Drought Angels,
Garmin smartwatch.
Digital wallet services the Chinchilla-based organisation
Heritage is working to introduce even that is supporting Aussie farmers
Heritage has introduced a range of digital
more digital wallet services in 2019 who have been hit hard by the
wallet services that allow you to make
– watch this space! severe drought currently gripping
purchases at contactless payment terminals
using your compatible smartphone or For more information about the different much of Australia.
wearable device. Simply add your Heritage ways to bank with Heritage visit https:// The appeal officially ended late
Visa credit or debit card details to the www.heritage.com.au/ways-to-bank last year and our CEO Peter Lock
had the pleasure of presenting a
cheque for just over $25,000 to
Jenny Jenner and Carissa Liddle
from Drought Angels, when they
were passing through Toowoomba
before Christmas.
That’s an amazing response
from customers and staff and
demonstrates yet again how
passionate Heritage is about
helping people in our community.
Congratulations again to everyone
Heritage CEO Peter Lock presents the $25,000 donation to (from left) Jenny Jenner and Carissa Liddle who supported this great cause.
from Drought Angels.
Android, Google Pay, the Google Pay Logo, Google Play and Google Play logo are trademarks of Google LLC.
Samsung, Samsung Pay, the Samsung Logo are trademarks of Samsung Inc. Google Play and the Google Play logo are trademarks of Google Inc.
Fitbit and the Fitbit logo are trademarks or registered trademarks of Fitbit, Inc. in the U.S. and other countries.
Garmin, the Garmin logo, and the Garmin delta are trademarks of Garmin Ltd. or its subsidiaries and are registered in the U.S. and other countries.
U.S. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.
Page 5
Working for you Issue 81
Heritage helps deliver Loads of Love
to those in need at Christmas time
Heritage Bank has again with a total of 25,259kg in donated items “Each year we’re blown away by
recorded and distributed to more than
helped brighten Christmas 1,000 households.
the generosity of the community in
supporting the Appeal,” Mr Lock said.
for families in need across
Heritage Bank CEO Peter Lock said that the
southern Queensland thanks Loads of Love Appeal was a great way for “Heritage has such as strong focus on
to our support of the 2018 the whole community to join together and community so to have the opportunity
Loads of Love Appeal. make a difference to those doing it tough to do our part to help is something we
over Christmas and beyond. feel very passionate about.”
The Loads of Love Appeal aims to support
for families doing it tough over Christmas,
by asking people to donate a bag filled with
donations of non-perishable food items
and personal items like canned food, pasta,
cereal, meal bases and toiletries.
Heritage is now in its fourth year of
supporting the Appeal, with all 60 of our
branches again acting as official collection
points. People were encouraged to pick up
a collection bag at a Heritage branch, fill it
with goods and then return it to the branch.
Donations were then distributed in
partnership with trusted local community
organisations in key areas of need across
southern Queensland.
This year, organisers set the ambitious
target of collecting 20,000 kilograms in Heritage Nambour’s Senior Customer Service Officer Tom Leonard and Branch Manager Sandy McCulloch
donations. Thanks to the generosity of help move the amazing 57 bags of food items donated at the branch by staff and customers for the
Loads of Love Appeal.
the community this target was smashed
Heritage products and services
DEPOSIT ACCOUNTS SUPERANNUATION 24 HOUR BANKING OTHER SERVICES
• Savings • Secure Super retirement • Internet banking • Heritage Credits
• Access savings account • Telephone banking rewards program
• Cash management • ATMs
BUSINESS BANKING • Foreign exchange+
• Term deposits • Internet share broking
• Cheque • Business accounts • BPAY
and trading+
• Visa debit card facilities • Term loans • Mobile banking
• Overdrafts DISTRIBUTION
HOME LOANS
• Business Visa INSURANCES+ • 60 branches
• Owner occupied and investment
• Payroll services • Life • 7 community branches
• Fixed or variable rates
• Line of credit • Business lines of credit • General • 3 mini branches
• Offset accounts • Agribusiness loans • Motor vehicle
• Farm management • Travel CONTACTING HERITAGE
PERSONAL LENDING • Home and contents
• Personal loans deposit accounts • Phone: 13 14 22
• Income protection • Email: info@heritage.com.au
• Car loans • Motor vehicle equipment loans
• Visa credit cards • SMSF Fully drawn loans FINANCIAL PLANNING+ •V isit: www.heritage.com.au
Statements contained in this publication are based upon facts and information believed to be accurate, reliable and current as at the date of publication. Information may change without notice. This
publication is intended only to provide an information service on matters of concern or interest to readers. This advice has been prepared without taking into account your objectives, financial situation
or needs. Because of this you should, before acting on this information, consider its appropriateness having regard to your objectives, financial situation and needs. You should read the guides to Heritage
products or the product disclosure statements (available in branch, by phoning 13 14 22 or at www.heritage.com.au) before you decide whether any of these products are right for you. All loan or credit
related products subject to application and approval. +By arrangement with an outside supplier. Heritage Bank Limited ABN 32 087 652 024 AFSL and Australian Credit Licence 240984 1901080
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