First Republic Bank is a private bank based in San Francisco, with locations in California, Oregon and parts of the East Coast. Customers of First Republic Bank receive a level of personal service rarely found in most larger banks; bankers always sit down with their clients in the intimate, comfortable atmosphere, free of teller windows, to serve their banking needs. Fresh-baked cookies are provided daily in the waiting area. Each client at First Republic has a private banker in charge creating a team of agents and pool of resources to suit the client's needs. Customized services include wealth management, online banking, money market accounts, retirement planning, and loans for residences, construction, commercial real estate or business use. Businesses can also make use of remote deposit, payroll, courier, armored car, cash vault, lockbox, trust and investment services. Two 24-hour ATMs are available at the front of the branch in a secured area.