Heritage Bank Limited is Australia's largest mutual bank. Its head office is located in Toowoomba, Queensland.The bank has 60 branches in southern Queensland and New South Wales and sells home loans via a network of mortgage brokers in every state and territory in Australia. The bank's customer contact centre is also based in Toowoomba, Queensland and operates 24 hours a day, 7 days a week. In 2019 it was named Bank of the Year in the Roy Morgan Customer Satisfaction Awards for 2018.\nHeritage Bank Limited is a mutual bank which is owned by its members, not by shareholders. Heritage is also a member of the Customer Owned Banking Association (COBA)