Heritage is Australia's largest customer-owned bank. With a history going back to 1875, we've always been in the business of helping Australians realise their financial dreams and enrich their lives. What's the difference between a bank and a customer-owned bank? We're independent - owned by our customers, not shareholders. So instead of pursuing massive profits, our focus is on putting People first. At Heritage Bank we can assist you with business banking, financial planning, foreign currency, personal lending, insurances and more.