Since 1921 this African-American owned bank has offered financial services to the community. FDIC-insured checking, savings and investment accounts are available for personal use. Account holders are offered Master Card debit cards and Visa check cards. Installment loans, personal and secured lines of credit and home equity lines are also offered. Commercial account holders can choose from a low-fee checking account, an interest-bearing savings account or an investment account with interest based on the federal rate. Credit cards, cash management and merchant services are also offered to commercial customers. Loans are available to those seeking to start or expand a business. Visa gift cards are available for purchase.