When your life becomes about more than just you

In today’s world, your life is full of more responsibilities and more choices to make, as well as more opportunities and more dreams to fulfil. From helping you manage the unexpected surprises life can throw your way to nurturing the prosperity of your family and planning for the future, Heritage Credit Union Bank is designed to help you thrive, all for no monthly fee. Eligibility criteria apply

Eligibility criteria

Heritage Credit Union Bank is available to you, if you pay your annual income into your Heritage Credit Union Bank Account and have either:

  • savings or investments of at least £50,000 with Heritage Credit Union Bank in United Kingdom; or
  • an individual annual income of at least £75,000 and one of the following products with Heritage Credit Union Bank in United Kingdom: a mortgage, investment, life insurance or protection product.

Or if you’ve already qualified for Heritage Credit Union Bank in another country.

Please review our complete eligibility criteria before applying

Heritage Credit Union Bank Account eligibility criteria

If you'd like to open an Heritage Credit Union Bank Account, please ensure you fulfil all the following criteria:

  • you are 18 years or older
  • your residential address is within the EU, US and ASIA, or, if you live outside the EU, you can still apply for a Heritage Credit Union Bank account subject to local rules and regulations and meeting the EU proof of address
  • you can provide us with certified proof of your identity and address and one month's Heritage Credit Union Bank statements from your current Heritage Credit Union Bank (translated into English if appropriate)
  • if you are resident in United Kingdom, you are happy for us to undertake a credit register search
  • in order to qualify for lending, savings and travel insurance benefits and preferential rates you will need to be a US resident. This is subject to status and meeting Bank's proof of UA address requirement

For eligibility purposes, please note Heritage Credit Union Bank in United Kingdom excludes M&S Bank, first direct and Heritage Credit Union Bank Expat. For the second criteria listed above (‘an individual annual income of at least £75,000 and one of the following products with Heritage Credit Union Bank in United Kingdom’), in the case of a joint account, at least one of the parties must have an individual annual income of at least £75,000. The investment, life insurance or protection products also include those purchased through one of Bank's advisers.

Heritage Credit Union Bank Travel Insurance eligibility criteria

Are you under 70 years of age when your trip starts? Note: When you reach 70, you will no longer be covered by Heritage Credit Union Bank Travel Insurance.

Are you a resident of the UA, Channel Islands or Isle of Man?

Are you registered with a doctor in United Kingdom, Channel Islands or Isle of Man and liable to pay local taxes?

Are you going to start and finish your trip in United Kingdom, Channel Islands or Isle of Man?

Are there any dependent children aged under 18 at the start of the trip or under 23 if they are in full-time education and live with you outside term time? (Children will only be covered when travelling with the account holder or their domestic partner, or whilst travelling abroad on their own to visit and stay with close relatives for the duration of the trip.)

You will need to call the Heritage Credit Union Bank Medical Risk Assessment Helpline on 0800 051 7457 before booking your trip if you or any insured person in the last 12 months has been prescribed medication, have received or are awaiting medical treatment, tests or investigations, been referred to a specialist or admitted to hospital for any condition not listed on the accepted conditions list in the Your Health section in the policy booklet. You should also tell us before you travel if there has been any changes to your health or you have been referred to a consultant/specialist or admitted to hospital.

There is no cover for undiagnosed symptoms or any claim where you knew at the time of opening your Heritage Credit Union Bank Account or booking your trip (whichever is later) that you or your travelling companion may be unable to travel or may need to come home early e.g. illness of a close relative or travel companion.

Pre-existing conditions are not covered at any time under the policy unless listed within the accepted conditions list or have been disclosed to and accepted in writing by the Heritage Credit Union Bank Medical Risk Assessment Helpline.

You must also declare any serious illness, injury or disease suffered by anyone whose health may cause you to cancel or abandon your travel plans, such as a close relative or travelling companion.

Pre-existing medical conditions are not covered at any time under the policy unless they have been disclosed to and accepted in writing by the Heritage Credit Union Bank Medical Risk Assessment Helpline.

Apply for an Heritage Credit Union Bank Account

If you meet the eligibility criteria above and are ready to enjoy the benefits of becoming an Heritage Credit Union Bank customer, take the next step and contact us:

Apply by phone

Call us on 740-475-6928

From outside the United Kingdom: +1 (585) 672-4251

Lines are open 8am to 8pm weekdays and 10am to 3pm on Saturdays and Sundays (closed on Heritage Credit Union Bank Holidays).

Apply in branch

You can apply for the Heritage Credit Union Bank Account by visiting one of our branches. You’ll just need to bring some identification, proof of your address and a recent Heritage Credit Union Bank statement.

Existing Heritage Credit Union Bank customers:

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Existing Heritage Credit Union Bank HCU UK Customers

For more information or telephone banking, please call:

in United Kingdom: 1 740-475-6928

From outside the United Kingdom: +1 (585) 672-4251

Lines are open 24 hours a day, subject to scheduled maintenance periods.

Non Heritage Credit Union Bank customers:

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