Heritage bank now has a better way for new customers to open an account instead of going to the bank, this is completely online unless you want more from your account.
It is frustrating that one will spend several hours in the banking hall when there are other things to do. The arrival of technology has continued to provide us with a better way of doing things. Years back, before the arrival of the ATM, one would have no choice but to visit the bank for withdrawal but not anymore. You can now withdraw your money from anywhere and from any bank ATM within your proximity.
This account opening method has also spread to other banks, customers can now open Bank Account Online using any phone or on internet-enabled devices like smartphones and personal computers.
When you use a phone with no internet facility, understand that you will be restricted to only USSD code when you attempt to have an account with the bank. You will also be able to use other bank services like funds transfer, airtime purchase, bills payment, and more. However, using an internet-enabled device alongside the bank app or online platform could give you more edge.
BENEFITS & FEATURES
- It only takes a few minutes to register and have an account opened with Heritage Bank.
- Customers can now carry out seamless digital transactions with ease.
- No more usual stress of filling a long list of details on bank account opening form.
- Access your money anytime, whenever, and wherever you want.
- Request for a debit card to access more banking services.
THE CHALLENGES FACING ONLINE OPENING OF ACCOUNT
Before going ahead with opening a heritage bank account online, there are things you should be aware of. A lot of people opened the account without understanding how a tier 1 account works. You need to know what you are getting into.
As mandated by the Central Bank Of Nigeria, customers’ deposit amount per transaction and the total balance will be limited since the account was opened without completing documentation. Most normal savings account can take up any amount of cash but your heritage savings account may be unable to do so until you upgrade your savings account at any Heritage Bank.
If you are a low-income earner with a balance of not more than N300,000, then you will be fine. Regardless, that does not mean you cannot have more than that in your balance. It is just that when the balance exceeds it, your account will be placed on temporary freeze until you complete documentation.
What this means is that money can still enter your account, but you will be unable to withdraw or transfer to another until you visit the bank for an upgrade. The likely documents that will be required from you at the bank are a valid ID card, utility bill, and a completed form that will be given to you.
Bank Verification Number (BVN) is also important when opening a bank account in Nigeria. Even if you are given the chance to open an account without one, your account will be frozen until you link your BVN. If you have not yet registered your BVN, simply visit any bank within your vicinity and do the needful.
HOW TO OPEN HERITAGE BANK ONLINE ON PHONE VIA CODE
- To open a heritage bank account online on phone, simply dial *745#.
- Reply with 6 for Open account.
- Attest to the agreement by replying with 1. Agreed.
- Provide your BVN. If you forgot your BVN, simply dial *565*0# from the phone number linked to your BVN.
- Enter all information as required by the system including your first name, last name, date of birth, gender, etc. Do note that your last name is your surname.
- Upon successful registration, your heritage bank account number will be sent to you.
OPEN HERITAGE BANK ONLINE ON PHONE VIA APP
To open a heritage bank account online, simply go to google play store if you are an android user or apple store if you use an Apple device. Search “HB Padie By Heritage Bank“.
Download and install the app into your phone. After installation, launch the app from your device and click “Open Account” to start your heritage bank savings account registration. Provide your BVN and other personal information needed to complete it.
Once done, the bank will send you your account number which now indicates you are now a customer of Heritage Bank Nigeria.
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