U.S. Bank offers a range of financial products and services to individuals and businesses throughout the United States. It provides a variety of checking and savings accounts, as well as certificates of deposit. The bank offers a range of money market and health savings accounts. U.S. Bank also provides individual retirement accounts and cash and wealth management solutions. It offers automobile, boat and student loans. The bank provides business credit and debit cards and online banking services. U.S. Bank maintains a network of various branches and ATMs. The bank is a member of the Federal Deposit Insurance Corporation and an Equal Housing Lender. It is a wholly owned brokerage subsidiary of U.S. Bancorp. Its core business areas include payment, wealth management and securities, and consumer and wholesale banking services. It employs more than 54,000 people. The bank serves small businesses, merchants and other financial institutions.