The Heritage Bank
Since 1875, the Heritage Bank has been dedicated to helping Australians realise their financial dreams and enrich their lives. The Heritage Bank differs from a bank in that Heritage is an authorised deposit accepting institution under the Banking Act, the same as all banks, building society’s and credit unions. The Heritage Bank is a member owned business who believes in the philosophy that it is important to put people before profits.
The Heritage Bank is a conscientious member of the communities they serve. They believe in high levels of service, competitive fees and a culture and philosophy of excellence, integrity and community. Heritage believes building community with their neighbours is an important means of taking pride in the community. Being involved in the community and supporting the elements of the community builds not only friendships but trust in the business world. The communities learn very quickly when Heritage is involved good things will happen for the benefit of all.
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Staying secure and safe
Verified by Visa is a secure online service that allows customers to use their own personal password with the Heritage Visa Card. This provides additional security for those who prefer to execute transactions online. When making a transaction as a member of Verified by Visa, the online store will recognise your card as a member of Verified by Visa and initiate a pop up window where you will type in your password.
Your password will be verified by Visa and your payment will be authorised and the transaction completed. If the store or vendor you are dealing with at the time is not a member of Verified by Visa, your card and the transaction will work but without the extra layer of security and protection. You may also suggest to the online store they consider becoming a member of the Verified by Visa network of merchants.
Sign Up for Verified by Visa
It is necessary to be an enrolled member in Heritage on-line Internet banking before you can sign up for Verified by Visa. After signing up for Internet banking, log on to “Heritage online banking” to join the Verified by Visa family. Choose services and then choose “set Verified by Visa password.” Click on the drop down menu and choose the credit card you wish to register. Enter a password of your choosing and then re-enter that same password for verification. Enter your personal assurance message. Your assurance message will be displayed on the screen when you are using your registered Visa Card. This is an additional security feature.
Credit cards and shopping
Only Heritage Visa credit cards are eligible for Verified by Visa. If you do not have a Heritage Visa Card but would like to be a member of the Verified by Visa family, simply click on “Credit Cards” and fill out the online application. Once you have a Heritage Visa Card, sign up for online banking and then Heritage by Visa. It seems like a lot to sign up for several things, but the online security protection it offers is a case of Heritage looking out for its customers.
After applying to Heritage for Verified by Visa, it may take until the next business day for the registration to become active with the Visa system. Once registration is complete, you will be able to shop with security confidence at all on-line locations participating in Verified by Visa.
When shopping online, merchants and vendors who are part of the Verified by Visa network will carry the Verified by Visa logo.
Once you are registered as a Verified by Visa member, you will be able to shop at participating merchants immediately. You will find a listing of all participating merchants and vendors by visiting www.visa.com/verified.
As a registered member of Verified by Visa, your Visa card will automatically be identified as such at the time of check out and payment. There is no secret handshake to render to your mouse at the time of check out. All I takes is to type in your personally chosen password for account authentication and your transaction will be completed.
In the event you suspect someone has stolen your password and used your Visa card to make unauthorised purchases, contact Heritage immediately. Heritage will launch an investigation and take the necessary measures to bring the perpetrator to justice. They will also work with you to set up a new credit card account and get you back into the Verified by Visa system. Heritage will not hold you responsible for any unauthorised purchases.
Shopping and security tips while shopping online
Even though Visa and Heritage have safeguards in place to offer as much online security as possible, it is still up to the credit card user to also take advantage of those precautions and to also put into practice some safety measures on your own.
Always be sure the vendor or merchant is using a secure check out system. It will be identified as such in a prominent place on the web page. The customer will not have to look for such a notice. Look for an “s” following http in a web browser. That “s” identifies the web browser as being secure. If the “s” does not appear after the http, the system is not likely secured, and you should find another place to shop.
Never give out your password to anyone for any reason. Do not write your password on your card or note it in an obvious place. A password is one of those things that is usually memorised and never written down. If you must make note of your password, put it in a safe place.
Never shop online at a public computer. In the event you forget to log out of your account, someone else can come along and make a purchase or perhaps just try to make a purchase. Also, when using a public computer, who knows who is watching you and if someone catches a glimpse of your password, you may be buying an unknown person a new suit. Most public computers are not installed with a secure merchant system in place, making it very easy for someone to steal your credit card information.
Take full advantage of the Internet and do some comparison shopping. It is easy to do, a convenient way to shop and just might save you a few dollars in the process. You might have a favourite store to shop at, but when it comes to saving money, sometimes customer loyalty takes a back seat.
Always check and understand delivery and return policies. The policies will be noted on check out or payment page. If items can be returned, check to see if they are returned for a cash refund, in the way of an adjustment to your credit card or will you receive a store credit. Some merchants and vendors will have both policies in place and allow the customer to choose the most ideal and preferred method for them. One other important note is to find out who pays for the return of the item – you or the merchant or vendor. If the merchant pays for the return, they may include a return postage sticker with your order. If not, they will send you one upon request.
Always keep a record of any and all online transactions. Print out receipts or payment verifications and keep them handy for when it is time to check the bill. That information will also be necessary if a question arises after the sale, or it is necessary to return an item.Back to top