The people at the branch that I deal with are very helpful, had a problem with some unscrupulous person using our credit card facilities, the bank did everything it could to resolve the matter in as quickly as possible, without to much trauma to us.
Unauthorized money was taken out from my credit card which was just under $3000. I filed a dispute and they told me not to pay the amount and that they will get it sorted. A month later they called me to tell me they've taken out $100 for overdue fees but they could not call me to tell me that they squashed the case after a week because they threw it in the too hard basket. Now they are asking me to pay the almost $3000 amount. I will be making a formal complaint to the AFCA and hopefully speaking to solicitors this Tuesday. There is no point in having a credit card because your money is not safe with the,. I've been a loyal client for over 20 years and this not the first time they have screwed me. But enough is enough and I'll be taking me money elsewhere. Absolutely disgusted!
You get personalised service and they are easily accessible either by phone or in bank. Website is easy to navigate with your secure password not being able to be saved. App friendly with easy accessibility. Branches at main shopping centres are easy to get to, with others a little more difficulty but there is parking close by.
Heritage Bank is great. They are local and their customer service representatives are local. They seem to be a no frills bank, that is focused on customer service. I would rate every single phone call I've had with them as a ten out of ten, except for one girl who probably needed more training. I would recommend them to anyone.
I have heard negative things about Heritage, it is great speaking to a person when I have a query, however they are not available 24/7 for 'emergencies' and are not very competitive when it comes to rewards
Heritage was a local building society that were good with lots of mini branches. Went to a bank and closed all the mini branches and now longer waiting time in the bank, rarely happened at a mini branch service. Was friendly, not so now.
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**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.
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