Community Banking

At Heritage we have a philosophy of putting People first. So when some communities were abandoned by their banks in the late 90s, we stepped in with an innovative idea that put those people and their community first.

Heritage introduced true community banking by establishing a joint venture with the local community of Crows Nest in 1999. Since then Heritage has successfully introduced community banking into a further six communities.

It's just another way that we practice what we preach and put People first.

What is Heritage Community Banking?

Heritage provides true community banking, by working with communities to provide professional assistance to establish a full local banking service in their town or suburb.

How does it work?

Heritage community banking helps communities that lack financial facilities. Our Heritage community branches are based on a community-based company model.

Community Branch network

Heritage has a number of community branches operating in local communities.

Crows Nest

In 1999, the Crows Nest community were desperate for a stable financial services provider.

Forest Lake

In partnership with the local community, the Forest Lake Community Branch opened in October 2005.


The community of Highfields, just north of Toowoomba, has grown at an amazing rate over the last 20 years.


The local Karalee community opted to partner with Heritage Bank in 2005 to open this Community Branch.


Heritage offered Millmerran residents an opportunity to have a local bank run by a local team.


Heritage Nanango Community Branch has invested more than $5.9 million back into the Nanango community.


Palmwoods Community Branch has invested more than $3.3 million back into the community.

* Based on a $150,000 loan over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.