Founded in 1889, The Northern Trust Company provides personal and commercial banking services. It is a part of Northern Trust Corporation, which provides investment management, asset and fund administration, and fiduciary and banking solutions to corporations, institutions and individuals. The Northern Trust Company provides savings accounts, checking accounts, certificates of deposit, individual retirement accounts, loans, debit and credit cards, ATMs, Internet and phone banking, lines of credit and investment services. The bank provides a variety of loans to customers, such as term loans, commercial real estate loans, commercial mortgages and equipment loans. Its online services provide personal e-mail accounts, account statements, and online payment and transfer services. Headquartered in Chicago, The Northern Trust Company is located in Atlanta; Tampa, Fla.; Austin, Texas; Grand Rapids, Mich.; and Lake Forest, Ill.