[4] The bank has over 62 branches and mini-branches[3] in southern Queensland and New South Wales and sells home loans via a network of mortgage brokers in every state and territory in Australia.

Heritage and People’s Choice Limited is a mutual organisation which is owned by its members, not by shareholders.

[7] In August 2021, Heritage Bank entered discussions with People's Choice Credit Union about a potential merger,[8] and in April 2022 both companies announced that they planned to merge, subject to a vote of the membership.

[citation needed] The building houses Heritage Bank's various departments and contact centre and has a branch on the ground floor.

In October 2009, Heritage was the first mutually Authorised Deposit-taking Institution (ADI) to initiate an ASX-listed debt transaction.

Heritage currently supports brands including Australia Post, Optus, Qantas, Travelex, Afterpay and MasterCard's multi-currency CashPassport.

The foundation provides funding grants to not-for-profit groups for projects aimed at building and improving community well-being and life outcomes for people.

[14][15] Heritage currently has seven community branches located in Highfields, Crows Nest, Millmerran, Karalee, Forest Lake, Nanango and Palmwoods.

The community banking model is based on the formation of a community-based company made up of a range of investors from the immediate area where a branch is to be established.

[citation needed] Every year, Heritage releases a calendar which features a painting of an architecturally and historically important house in Queensland.

The Heritage Bank Photographic Awards[16] are held annually, with the competition open to Australian residents.