Bank of America Corporation through its subsidiaries provides banking and financial products and services for individual consumers small and middlemarket businesses institutional investors large corporations and governments worldwide Its Consumer Banking segment offers traditional and money market savings accounts certificates of deposit and IRAs noninterestand interestbearing checking accounts and investment accounts and products and credit and debit cards residential mortgages and home equity loans as well as direct and indirect loans such as automotive recreational vehicle and consumer personal loans The companys Global Wealth Investment Management segment offers investment management brokerage banking and trust and retirement products and services and wealth management solutions as well as customized solutions including specialty asset management services Its Global Banking segment provides lending products and services including commercial loans leases commitment facilities trade finance and commercial real estate and assetbased lending treasury solutions such as treasury management foreign exchange and shortterm investing options and merchant services working capital management solutions and debt and equity underwriting and distribution and mergerrelated and other advisory services The companys Global Markets segment offers marketmaking financing securities clearing settlement and custody services as well as risk management products using interest rate equity credit currency and commodity derivatives foreign exchange fixedincome and mortgagerelated products As of December 31 2021 it served approximately 67 million consumer and small business clients with approximately 4200 retail financial centers approximately 16000 ATMs and digital banking platforms with approximately 41 million active users The company was founded in 1784 and is based in Charlotte North Carolina