Established in 1784 as Massachusetts Bank, Bank of America, N.A. is one of the largest financial institutions in the world. It provides banking, investing, asset management, financial and risk management services to individual consumers, small and middle market businesses as well as large corporations. Located in Charlotte, N.C., the bank offers various services, such as checking, savings, certificates of deposit, credit cards, mortgages, refinance, home equity, auto loans and individual retirement accounts. It is a member of the Federal Deposit Insurance Corporation (FDIC) and is an Equal Housing Lender. Bank of America, N.A. is a wholly owned subsidiary of Bank of America Corporation.