The group's principal activity is to provide consumer and commercial banking services to individuals and small to medium-sized businesses. The deposit products include regular non-interest bearing checking accounts as well as interest bearing negotiable order of withdrawal accounts, savings and certificate of deposit. The lending services include commercial, personal and mortgage loans. The group provides credit cards (through correspondent banking services) including mastercard (TM) and visa (TM) along with a personal checking account related line of credit. Other services provided include safe deposit boxes, letters of credit, travelers checks, direct deposit of payroll, social security and dividend payments and automatic payment of insurance premiums and mortgage loans. The group operates a courier service as part of its deposit services for commercial customers and provides a safekeeping brokerage service through one of its correspondent banks.
