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Personal Banking

Welcome to Heritage International Bank & Trust Limited! Are you planning your future, buying your first  home, or preparing for your children’s college years?  Let us be apart 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:

Demand Deposit Accounts
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Demand Deposit Accounts

Features:

  • USD$3,000.00 or equivalent to open
  • Free and unlimited deposits and withdrawals
  • Hardcopy or online monthly statements
  • Easy 24 hour online access to account information
  • Multi-currency accounts available in Euro, Canadian and Pound Sterling
Fixed Term Deposits

deposits

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 USD$25,000.00. 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.

Fixed Term Deposits

Contact bank for details

Loans

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At Heritage International Bank & Trust, we offer construction, education and medical financing service as well as consumer credit. Our credit terms are flexible and tailored to meet your needs. Our International Banking Service team is ready and willing to help make your dream a reality. Contact us by email or telephone for more information.

Borrowing from Heritage Bank provides many advantages:

  • Friendly and efficient service
  • US Dollar Accounts
  • Unique Structures
  • Not subject to Currency Control Regulations
  • No tax deduction
  • No currency conversion fees
  • Efficient processing – to ensure quick turn-around
  • Handled by dedicated and committed Staff
  • Easy repayment processing from checking/savings accounts held with us

What you need to qualify:

  • Be a Non-resident individual or company
  • Have a source of income to meet loan payments

Loan Processing Requirements:

(a) Personal Application:

  • Personal Credit Application Form
  • Statement of Affairs (2 pages)
  • Budget Analysis
  • Letter of Introduction
  • Confirmation of Employment (if applicable)
  • Latest Tax Return
  • Reference Letter from applicant’s bank
  • Notarized copy of passport or Driver’s License
  • Credit Bureau Report
  • Confirmation of Address

(b) State Purpose, If for:

  • Construction – Provide Cost Estimate & Construction Plans
  • Business Investment – provide projected cash flow for at least three years

(c) Security / Collateral:

  • Land
  • Land Title
  • Property Tax Records
  • Land must be located in Belize
  • CashDeclaration of Source of Funds
  • Standby Letter of CreditConfirmed by a USA Bank

For more information about our loans visit your nearest branch or just give us a call at 011-501-223-5698 or email us at loans@banking.bz

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

At Heritage International Bank & Trust, we offer residential mortgage financing service. Our credit terms are flexible and tailored to meet your needs. Our International Banking Service team is ready and willing to help make your dream a reality. Contact us by email or telephone for more information.

International Mortgage Financing:

Heritage International Bank & Trust offers mortgage financing to purchase or build residential properties in Belize. We provide convenient and competitive financing terms.

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

  • US Dollar Accounts
  • Unique Structures
  • Not subject to Currency Control Regulations
  • No tax deduction
  • No currency conversion fees
  • Efficient processing – to ensure quick turn-around
  • Handled by dedicated and committed Staff
  • Easy repayment processing from checking/savings accounts held with us

What you need to qualify:

  • Be a Non-resident individual or company
  • Have a source of income to meet loan payments
  • Equity contribution of 40% of cost

Loan Processing Requirements:

(a) Personal Application:

  • Personal Credit Application Form
  • Statement of Affairs (2 pages)
  • Budget Analysis
  • Letter of Introduction
  • Confirmation of Employment (if applicable)
  • Latest Tax Return
  • Reference Letter from applicant’s bank
  • Notarized copy of passport or Driver’s License
  • Credit Bureau Report
  • Current Utility Billing or Banker’s written confirmation

(b) State Purpose, If for:

  • Construction – Provide Cost Estimate & Construction Plans
  • Business Investment – Provide projected cash flow for at least three years
  • Residential – Vendor sale agreement

(c) Security/Collateral:

• Land

  • Land Title
  • Property Tax Records
  • Land must be located in Belize

• Cash

  • Declaration of Source of Funds

• Standby Letter of Credit

  • Confirmed by a USA Bank

Contact us today for more information:

For more information about our loans visit your nearest branch or just give us a call at 011-501-223-5698 or e-mail us at loans@banking.bz

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
%
$ per year
$ per year
%

Savings

Regular Savings Account:

$500.00 minimum balance to earn interest.

Features:

  • USD $500.00 or equivalent to open
  • competitive interest rate
  • quarterly statements
  • easy 24 hour online access to account information

Premium Savings Account

Contact bank for details.

Savings Accounts are allowed twelve (12) withdrawals in a calendar year. A fee of USD 5.00 is charged for additional withdrawals.

Credit Cards

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With Heritage’s Bank outstanding credit card rates, you too can afford to own a personal credit card. Submit your proposal to creditcard@banking.bz.

We offer the following cards:

VISA & Mastercard Credit Card Features:

  • Competitive annual interest rate
  • 24 hour customer service
  • 24 hour fraud monitoring service
  • Travel Accident Insurance, Auto Rental Insurance (some restrictions apply)
  • Travel Assistant Service (some restrictions apply)
  • Free and easy 24 hour online access to account information
  • Easily accessible from any ATM and merchant outlet
  • Hardcopy or online monthly statements
  • Minimum of USD$1,000.00 and maximum of USD$25,000.00
  • Secured with 150% cash collateral
  • Available in US Currency

Apply Now for an International Credit Card:

Co-Branded Credit Card

We offer Co-Branded Credit Card programs uniquely customized to meet the requirements of your customer base.

Feature:

  • Pre-Paid Product
  • Online access available
  • Worldwide accessibility
  • Issued with or without cardholder’s name
  • Carries the partner’s logo and design.