Kennebec Savings Bank is a financial institution that provides personal and business banking products and services. The company s personal banking products include free and interest-bearing checking accounts, certificates of deposit, individual retirement accounts, consumer loans and mortgages. Its business banking products include checking and savings accounts, commercial loans and certificates of deposit. Its services include wire transfers, direct deposit, and Internet and telephone banking. In addition, the company provides a variety of investment services, including investment management, trusts, custodial accounts, rollovers of individual retirement accounts, and portfolio planning and management. Kennebec Savings Bank operates offices in Winthrop, Waterville and Augusta, Maine.