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Bank of america new jersey corporate office
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Источник: https://www.shbamerica.com/

Justice News

Attorney General Eric Holder and Associate Attorney General Tony West announced today that the Department of Justice has reached a $16.65 billion settlement with Bank of America Corporation – the largest civil settlement with a single entity in American history ­— to resolve federal and state claims against Bank of America and its former and current subsidiaries, including Countrywide Financial Corporation and Merrill Lynch. As part of this global resolution, the bank has agreed to pay a $5 billion penalty under the Financial Institutions Reform, Recovery and Enforcement Act (FIRREA) – the largest FIRREA penalty ever – and provide billions of dollars of relief to struggling homeowners, including funds that will help defray tax liability as a result of mortgage modification, forbearance or forgiveness. The settlement does not release individuals from civil charges, nor does it absolve Bank of America, its current or former subsidiaries and affiliates or any individuals from potential criminal prosecution.

“This historic resolution - the largest such settlement on record - goes far beyond ‘the cost of doing business,’” said Attorney General Holder. "Under the terms of this settlement, the bank has agreed to pay $7 billion in relief to struggling homeowners, borrowers and communities affected by the bank’s conduct. This is appropriate given the size and scope of the wrongdoing at issue.”

This settlement is part of the ongoing efforts of President Obama’s Financial Fraud Enforcement Task Force and its Residential Mortgage-Backed Securities (RMBS) Working Group, which has recovered $36.65 billion to date for American consumers and investors.

“At nearly $17 billion, today’s resolution with Bank of America is the largest the department has ever reached with a single entity in American history,” said Associate Attorney General West. “But the significance of this settlement lies not just in its size; this agreement is notable because it achieves real accountability for the American people and helps to rectify the harm caused by Bank of America’s conduct through a $7 billion consumer relief package that could benefit hundreds of thousands of Americans still struggling to pull themselves out from under the weight of the financial crisis.”

The Justice Department and the bank settled several of the department’s ongoing civil investigations related to the packaging, marketing, sale, arrangement, structuring and issuance of RMBS, collateralized debt obligations (CDOs), and the bank’s practices concerning the underwriting and origination of mortgage loans. The settlement includes a statement of facts, in which the bank has acknowledged that it sold billions of dollars of RMBS without disclosing to investors key facts about the quality of the securitized loans. When the RMBS collapsed, investors, including federally insured financial institutions, suffered billions of dollars in losses. The bank has also conceded that it originated risky mortgage loans and made misrepresentations about the quality of those loans to Fannie Mae, Freddie Mac and the Federal Housing Administration (FHA).

Of the record-breaking $16.65 billion resolution, almost $10 billion will be paid to settle federal and state civil claims by various entities related to RMBS, CDOs and other types of fraud. Bank of America will pay a $5 billion civil penalty to settle the Justice Department claims under FIRREA. Approximately $1.8 billion will be paid to settle federal fraud claims related to the bank’s origination and sale of mortgages, $1.03 billion will be paid to settle federal and state securities claims by the Federal Deposit Insurance Corporation (FDIC), $135.84 million will be paid to settle claims by the Securities and Exchange Commission. In addition, $300 million will be paid to settle claims by the state of California, $45 million to settle claims by the state of Delaware, $200 million to settle claims by the state of Illinois, $23 million to settle claims by the Commonwealth of Kentucky, $75 million to settle claims by the state of Maryland, and $300 million to settle claims by the state of New York.

Bank of America will provide the remaining $7 billion in the form of relief to aid hundreds of thousands of consumers harmed by the financial crisis precipitated by the unlawful conduct of Bank of America, Merrill Lynch and Countrywide. That relief will take various forms, including principal reduction loan modifications that result in numerous homeowners no longer being underwater on their mortgages and finally having substantial equity in their homes. It will also include new loans to credit worthy borrowers struggling to get a loan, donations to assist communities in recovering from the financial crisis, and financing for affordable rental housing. Finally, Bank of America has agreed to place over $490 million in a tax relief fund to be used to help defray some of the tax liability that will be incurred by consumers receiving certain types of relief if Congress fails to extend the tax relief coverage of the Mortgage Forgiveness Debt Relief Act of 2007.

An independent monitor will be appointed to determine whether Bank of America is satisfying its obligations. If Bank of America fails to live up to its agreement by Aug. 31, 2018, it must pay liquidated damages in the amount of the shortfall to organizations that will use the funds for state-based Interest on Lawyers’ Trust Account (IOLTA) organizations and NeighborWorks America, a non-profit organization and leader in providing affordable housing and facilitating community development. The organizations will use the funds for foreclosure prevention and community redevelopment, legal assistance, housing counselling and neighborhood stabilization.

As part of the RMBS Working Group, the U.S. Attorney’s Office for the District of New Jersey conducted a FIRREA investigation into misrepresentations made by Merrill Lynch to investors in 72 RMBS throughout 2006 and 2007. As the statement of facts describes, Merrill Lynch regularly told investors the loans it was securitizing were made to borrowers who were likely and able to repay their debts. Merrill Lynch made these representations even though it knew, based on the due diligence it had performed on samples of the loans, that a significant number of those loans had material underwriting and compliance defects - including as many as 55 percent in a single pool. In addition, Merrill Lynch rarely reviewed the unsampled loans to ensure that the defects observed in the samples were not present throughout the remainder of the pools. Merrill Lynch also disregarded its own due diligence and securitized loans that the due diligence vendors had identified as defective. This practice led one Merrill Lynch consultant to “wonder why we have due diligence performed” if Merrill Lynch was going to securitize the loans “regardless of issues.”

“In the run-up to the financial crisis, Merrill Lynch bought more and more mortgage loans, packaged them together, and sold them off in securities – even when the bank knew a substantial number of those loans were defective,” said U.S. Attorney Paul J. Fishman for the District of New Jersey. “The failure to disclose known risks undermines investor confidence in our financial institutions. Today’s record-breaking settlement, which includes the resolution of our office’s imminent multibillion-dollar suit for FIRREA penalties, reflects the seriousness of the lapses that caused staggering losses and wider economic damage.”

This settlement also resolves the complaint filed against Bank of America in August 2013 by the U.S. Attorney’s Office for the Western District of North Carolina concerning an $850 million securitization. Bank of America acknowledges that it marketed this securitization as being backed by bank-originated “prime” mortgages that were underwritten in accordance with its underwriting guidelines. Yet, Bank of America knew that a significant number of loans in the security were “wholesale” mortgages originated through mortgage brokers and that based on its internal reporting, such loans were experiencing a marked increase in underwriting defects and a noticeable decrease in performance. Notwithstanding these red flags, the bank sold these RMBS to federally backed financial institutions without conducting any third party due diligence on the securitized loans and without disclosing key facts to investors in the offering documents filed with the SEC. A related case concerning the same securitization was filed by the SEC against Bank of America and is also being resolved as part of this settlement.

“Today’s settlement attests to the fact that fraud pervaded every level of the RMBS industry, including purportedly prime securities, which formed the basis of our filed complaint,” said U.S. Attorney Anne M. Tompkins for the Western District of North Carolina. “Even reputable institutions like Bank of America caved to the pernicious forces of greed and cut corners, putting profits ahead of their customers. As we deal with the aftermath of the financial meltdown and rebuild our economy, we will hold accountable firms that contributed to the economic crisis. Today’s settlement makes clear that my office will not sit idly while fraud occurs in our backyard.”

The U.S. Attorney’s Office for the Central District of California has been investigating the origination and securitization practices of Countrywide as part of the RMBS Working Group effort. The statement of facts describes how Countrywide typically represented to investors that it originated loans based on underwriting standards that were designed to ensure that borrowers could repay their loans, although Countrywide had information that certain borrowers had a high probability of defaulting on their loans. Countrywide also concealed from RMBS investors its use of “shadow guidelines” that permitted loans to riskier borrowers than Countrywide’s underwriting guidelines would otherwise permit. Countrywide’s origination arm was motivated by the “saleability” of loans and Countrywide was willing to originate “exception loans” (i.e., loans that fell outside of its underwriting guidelines) so long as the loans, and the attendant risk, could be sold. This led Countrywide to expand its loan offerings to include, for example, “Extreme Alt-A” loans, which one Countrywide executive described as a “hazardous product,” although Countrywide failed to tell RMBS investors that these loans were being originated outside of Countrywide’s underwriting guidelines. Countrywide knew that these exception loans were performing far worse than loans originated without exceptions, although it never disclosed this fact to investors.

“The Central District of California has taken the lead in the department’s investigation of Countrywide Financial Corporation,” said Acting U.S. Attorney Stephanie Yonekura for the Central District of California. “Countrywide’s improper securitization practices resulted in billions of dollars of losses to federally-insured financial institutions. We are pleased that this investigation has resulted in a multibillion-dollar recovery to compensate the United States for the losses caused by Countrywide’s misconduct.”

In addition to the matters relating to the securitization of toxic mortgages, today’s settlement also resolves claims arising out of misrepresentations made to government entities concerning the origination of residential mortgages.

The U.S. Attorney’s Office for the Southern District of New York, along with the Federal Housing Finance Agency’s Office of Inspector General and the Special Inspector General for the Troubled Asset Relief Program, conducted investigations into the origination of defective residential mortgage loans by Countrywide’s Consumer Markets Division and Bank of America’s Retail Lending Division as well as the fraudulent sale of such loans to the government sponsored enterprises Fannie Mae and Freddie Mac (the “GSEs”). The investigation into these practices, as well as three private whistleblower lawsuits filed under seal pursuant to the False Claims Act, are resolved in connection with this settlement. As part of the settlement, Countrywide and Bank of America have agreed to pay $1 billion to resolve their liability under the False Claims Act. The FIRREA penalty to be paid by Bank of America as part of the settlement also resolves the government’s claims against Bank of America and Countrywide under FIRREA for loans fraudulently sold to Fannie Mae and Freddie Mac. In addition, Countrywide and Bank of America made admissions concerning their conduct, including that they were aware that many of the residential mortgage loans they had made to borrowers were defective, that many of the representations and warranties they made to the GSEs about the quality of the loans were inaccurate, and that they did not self-report to the GSEs mortgage loans they had internally identified as defective.

“For years, Countrywide and Bank of America unloaded toxic mortgage loans on the government sponsored enterprises Fannie Mae and Freddie Mac with false representations that the loans were quality investments,” said U.S. Attorney Preet Bharara for the Southern District of New York. “This office has already obtained a jury verdict of fraud and a judgment for over a billion dollars against Countrywide and Bank of America for engaging in similar conduct. Now, this settlement, which requires the bank to pay another billion dollars for false statements to the GSEs, continues to send a clear message to Wall Street that mortgage fraud cannot be a cost of doing business.”

The U.S. Attorney’s Office for the Eastern District of New York, together with its partners from the Department of Housing and Urban Development (HUD), conducted a two-year investigation into whether Bank of America knowingly made loans insured by the FHA in violation of applicable underwriting guidelines. The investigation established that the bank caused the FHA to insure loans that were not eligible for FHA mortgage insurance. As a result, HUD incurred hundreds of millions of dollars of losses. Moreover, many of Bank of America’s borrowers have defaulted on their FHA mortgage loans and have either lost or are in the process of losing their homes to foreclosure.

“As a Direct Endorser of FHA insured loans, Bank of America performs a critical role in home lending,” said U.S. Attorney Loretta E. Lynch for the Eastern District of New York. “It is a gatekeeper entrusted with the authority to commit government funds earmarked for facilitating mortgage lending to first-time and low-income homebuyers, senior citizen homeowners and others seeking or owning homes throughout the nation, including many who live in the Eastern District of New York. In obtaining a payment of $800 million and sweeping relief for troubled homeowners, we have not just secured a meaningful remedy for the bank’s conduct, but have sent a powerful message of deterrence.”

“Bank of America failed to make accurate and complete disclosure to investors and its illegal conduct kept investors in the dark,” said Rhea Kemble Dignam, Regional Director of the SEC’s Atlanta Office. “Requiring an admission of wrongdoing as part of Bank of America’s agreement to resolve the SEC charges filed today provides an additional level of accountability for its violation of the federal securities laws.”

“Today’s settlement with Bank of America is another important step in the Obama Administration’s efforts to provide relief to American homeowners who were hurt during the housing crisis,” said U.S. Department of Housing and Urban Development (HUD) Secretary Julián Castro. “This global settlement will strengthen the FHA fund and Ginnie Mae, and it will provide $7 billion in consumer relief with a focus on helping borrowers in areas that were the hardest hit during the crisis. HUD will continue working with the Department of Justice, state attorneys general, and other partners to take appropriate action to hold financial institutions accountable and provide consumers with the relief they need to stay in their homes. HUD remains committed to solidifying the housing recovery and creating more opportunities for Americans to succeed.”

“Bank of America and the banks it bought securitized billions of dollars of defective mortgages,” said Acting Inspector General Michael P. Stephens of the FHFA-OIG. “Investors, including Fannie Mae and Freddie Mac, suffered enormous losses by purchasing RMBS from Bank of America, Countrywide and Merrill Lynch not knowing about those defects. Today’s settlement is a significant, but by no means final step by FHFA-OIG and its law enforcement partners to hold accountable those who committed acts of fraud and deceit.”

The attorneys general of California, Delaware, Illinois, Kentucky, Maryland and New York also conducted related investigations that were critical to bringing about this settlement. In addition, the settlement resolves investigations conducted by the Securities and Exchange Commission (SEC) and litigation filed by the Federal Deposit Insurance Company (FDIC).

The RMBS Working Group is a federal and state law enforcement effort focused on investigating fraud and abuse in the RMBS market that helped lead to the 2008 financial crisis. The RMBS Working Group brings together more than 200 attorneys, investigators, analysts and staff from dozens of state and federal agencies including the Department of Justice, 10 U.S. Attorneys’ Offices, the FBI, the Securities and Exchange Commission (SEC), the Department of Housing and Urban Development (HUD), HUD’s Office of Inspector General, the FHFA-OIG, the Office of the Special Inspector General for the Troubled Asset Relief Program, the Federal Reserve Board’s Office of Inspector General, the Recovery Accountability and Transparency Board, the Financial Crimes Enforcement Network, and more than 10 state attorneys general offices around the country.

The RMBS Working Group is led by Director Geoffrey Graber and five co-chairs: Assistant Attorney General for the Civil Division Stuart Delery, Assistant Attorney General for the Criminal Division Leslie Caldwell, Director of the SEC’s Division of Enforcement Andrew Ceresney, U.S. Attorney for the District of Colorado John Walsh and New York Attorney General Eric Schneiderman.

Investigations were led by Assistant U.S. Attorneys Leticia Vandehaar of the District of New Jersey; Dan Ryan and Mark Odulio of the Western District of North Carolina; George Cardona and Lee Weidman of the Central District of Carolina; Richard Hayes and Kenneth Abell of the Eastern District of New York; and Pierre Armand and Jaimie Nawaday of the Southern District of New York.

Learn more about the RMBS Working Group and the Financial Fraud Enforcement Task Force at: www.stopfraud.gov

Related Materials:

Settlement Agreement
Annex 1 - Statement of Facts
Annex 2 - Consumer Relief
Annex 2 - Exhibit 1 - Loan List
Annex 2 - Exhibit 2 - Model VA Agreement
Annex 3 - Tax Fund
Annex 4 - Transaction List
Exhibit A--FDIC
Exhibit B - SEC Bank of America Settlement Documents

Источник: https://www.justice.gov/opa/pr/bank-america-pay-1665-billion-historic-justice-department-settlement-financial-fraud-leading

Black-Owned Banks by State

Ever since the founding of the Bank of North America in 1781, banking has played a critical role in facilitating the American Dream. These institutions provide indispensable monetary services, ranging from accepting deposits to offering loans. Credit is king in the United States, and without high-quality financial institutions, countless Americans would struggle to acquire vehicles, housing, and other essential items.

However, like pretty much all of the nation’s older institutions, banks have also played a significant part in America’s racist past. Racial discrimination in the banking industry and financial system has targeted African Americans, and challenges ending discrimination persist today. Black-owned banks arose as an alternative to larger institutions to provide greater access to banking services as well as an opportunity to support local communities.

According to the Federal Deposit Insurance Corporation, a Minority Depository Institution (MDI) is “...a federal insured depository institution for which (1) 51 percent or more of the voting stock is owned by minority individuals; or (2) a majority of the board of directors is minority and the community that the institution serves is predominantly minority. Ownership must be by U.S. citizens or permanent legal U.S. residents to be counted in determining minority ownership.” Of the 22 Black-owned banks featured in this article, two fall into the latter category.

For the purposes of this article, Black-owned and managed credit unions that serve the Black community have been included to provide the most complete picture of America’s Black financial institutions. The article uses the term “Black-owned” in this broad sense, recognizing that stockholders own for-profit banks and members own credit unions.

Key Takeaways

  • Today—including credit unions—there are 44 Black-owned financial institutions in the United States. Taken together, they have approximately $6.82 billion in assets in total.
  • Black-owned banks provide customers not just access to the financial resources they need, but the chance to invest in the financial health and well-being of their community.
  • Black-owned banks also play a critical role in fighting modern-day systemic racism in the financial sector.
  • Critics of Black-owned for-profit banks have posited that true financial justice requires institutions, such as not-for-profit credit unions, that are separate from a financial system rooted in racism and exploitation.
  • Of the 44 Black-owned financial institutions in the country, 22 are not-for-profit credit unions.

Background and History of Black-Owned Banks

Black-owned banks didn’t exist until more than a century after the Bank of North America first opened its doors. Prior to the chartering of the first Black-owned bank in 1888, Congress and President Lincoln established the Freedman’s Savings Bank in 1865. As part of the Freedman’s Bureau, this institution was designed to help newly freed African Americans navigate the U.S. financial system.

Despite Congress voting to close the Freedman’s Bureau in 1872, the bank continued to operate. In 1874, Frederick Douglass took over as the bank’s D.C. branch director, and he found the place to be rife with corruption and risky investments. Despite Douglass investing $10,000 of his own money in the bank in an attempt to save it, Freedman’s Savings went bankrupt later that same year. Although the Freedman’s Savings Bank doesn’t fit the modern criteria of a Black-owned bank, it represents a critical first step.

The first officially chartered Black-owned bank, the True Reformers Bank, was founded on March 2, 1888, by the Rev. William Washington Browne. A former slave and Union Army officer, Browne was founder of the Grand Fountain United Order of True Reformers fraternal organization. The True Reformers Bank came about when Browne and his organization faced financial hardships while trying to establish a new branch in Virginia. Unable to manage the order’s money without arousing suspicion from paranoid and prejudiced locals, Browne founded the True Reformers Bank so that the organization’s finances would be free of scrutiny from white people.

The bank opened its doors in 1889 and went from a small operation in Browne’s house to an institution strong enough to survive the financial panic of 1893. Although the True Reformers Bank continued to operate after Browne’s death in 1897, problems were beginning to develop by 1900. Under its new president, the Rev. William Lee Taylor, branches were poorly regulated, unsecured loans were made, and an embezzlement scandal cost most account holders their savings. By 1910, the State Corporation Commission had ordered the bank to be closed.

As the story of the True Reformers Bank was playing out, other Black-owned banks were also getting their start in the U.S. The Capitol Savings Bank of Washington, D.C., opened its doors on Oct. 17, 1888, roughly six months before the True Reformers Bank. Capitol Savings also managed to survive the financial panic of 1893, though it later closed in 1902.

Between 1888 and 1934, more than 134 Black-owned financial institutions were founded, predominantly located in Southern states. Their numbers dwindled during the Great Depression, leaving nine by 1930. It wasn’t until the civil rights movement that a resurgence took place, raising their numbers to 50 by 1976.

By 1988, the savings and loan crisis had wiped out 35 Black-owned banks. The start of the most recent decline came in 2001, during the early 2000s recession, which rapidly accelerated once the Great Recession began. There are 44 Black-owned financial institutions, including credit unions, left today.

“You can’t separate Black history from American history,” says Tyrone Ross, community director of Altruist, a software platform provider for financial advisors. “We’ve always been well adept and versed in financial education and the ability to be entrepreneurs. It’s just been stripped from us. So it’s OK to write these articles—or have panels or whatever—but let’s start with the history first so people go, ‘Oh, crap. It really was stripped from them, and they’re just trying to get it back.’”

Modern-Day Discrimination

In 2016, the net worth of a white family was nearly 10 times higher on average than that of a Black family. This is a result of inequality, discrimination, racism, and differences in power and opportunity compounding throughout America’s history. It also is why the diminishing number of Black-owned banks is especially of concern, given the role these institutions play in fighting modern-day systemic racism in the financial sector.

Consider redlining. This unethical and now illegal practice is used to block off access to important services for residents of certain neighborhoods based on their race or ethnicity. The Civil Rights Act of 1964, which prohibits discrimination on the basis of race, color, religion, sex, and national origin, was a start. And yet, although the Fair Housing Act of 1968 and the Community Reinvestment Act (CRA) of 1977 were both intended to eliminate redlining, this kind of discrimination is still seen today.

For instance, 68.1% of loans made between 2012 and 2018 for housing purchases in Chicago went to predominantly white areas; 8.1% went to predominantly Black areas. Banks also lent more money to predominantly white neighborhoods than they did to every predominantly Black neighborhood combined. This disparity is even starker when looking at individual lenders, with JPMorgan Chase lending 41 times more money in white neighborhoods than Black ones.

Chicago is far from the only place where redlining occurs. In 2018, people of color in 61 cities were more likely to be denied home loans than white residents. And if homeowners aren’t moving into—and investing in—a neighborhood, it means capital isn’t flowing into the community, which leads to poverty and crime having an inescapable presence in the area.

“One in five Black Americans now is unbanked. When you look at our poverty rates, our lack of ownership, lack of home ownership, that all goes back to economic empowerment,” Ross explains. “Economic empowerment starts with banking.”

The Importance of Black-Owned Banks

To understand why Black-owned banks matter, it’s critical to recognize the role banks play in financial life. A common service banks provide is access to a checking account, allowing for the safe storage of an individual’s funds, typically in exchange for a minimal fee. In addition to accepting monetary deposits, banks also furnish loans for both individuals and businesses looking to finance crucial purchases. Banks also offer mortgages for real estate purchases. Many banks issue credit cards, which are valuable tools for building the credit history necessary to receive most loans.

Outside of providing financial services, a number of banks have also launched programs on financial literacy for low- and moderate-income communities. It’s difficult, if not impossible, to imagine thriving in the modern economy without taking advantage of the aid that a bank can provide. And if access to these types of services is constantly denied to certain groups, it’s easy to see how these groups may face more financial difficulties than others.

Black-owned banks offer an alternative for residents who have been consistently discriminated against by other financial institutions. They have typically provided more money to borrowers living in low- and moderate-income (LMI) census tracts in the last 14 years than other banks. Black-owned banks are also more willing to tolerate higher levels of risk than alternative institutions. Our research found that in 2016, 67% of mortgages made by Black-owned banks were either FHA mortgages—which typically serve riskier borrowers—or mortgages held “in portfolio,” meaning they are liable to the risk of the borrower defaulting.

Additionally, Black-owned banks tend to focus their lending on small businesses, nonprofits, and Black homebuyers. As of 2018, all Black-owned banks are community banks; these institutions are dedicated to supporting the economies of the communities in which they serve. Even during difficult times, Black-owned banks have stuck by their customers. During the 2007–2008 financial crisis, despite a 69% drop in all mortgage lending to Black borrowers, the number of mortgages that Black-owned banks provided rose 57%.

“So there’s lack of lending, there’s lack of funding, there’s lack of access to the ability to acquire assets and build wealth,” says Ross. “The Black community has for years been afraid of banking with traditional institutions. A lot of them live in banking deserts where there are no banks, which is also why you have credit unions, check cashing places, and payday loans.”

Without Black-owned banks, countless vulnerable consumers could be forced to rely on high-interest loans from pawn shops and payday lenders for their financing. What’s more, Black-owned banks provide customers not just access to the financial resources they need, but the chance to invest in the financial health and wellbeing of their community and fellow Americans.

“I think we have a responsibility now to realize that—if you really want to be grassroots, and you really want to help Black Americans—get that money in Black banks and then have those Black banks fund the people,” Ross says.

Other Alternatives for Community Funding

Not everyone sees Black-owned, for-profit banks as the solution. Critics argue that true financial justice requires institutions that are entirely separate from a financial system rooted in racism and exploitation.

“I’ve been very critical of for-profit Black banks and the capitalist logic that governs them,” says Prof. Guy Mount, assistant professor of African American history at Auburn University. “In my opinion, member-owned credit unions and nonprofit co-ops are the way forward for Black communities hoping to not only survive within capitalism, but build a viable Black economic alternative to it.” In fact, that choice is currently available to consumers. Of the 44 Black-owned financial institutions in the U.S.—all listed below—21 are credit unions.

Other critics have taken this concept even further. In The Color of Money: Black Banks and the Racial Wealth Gap, Mehrsa Baradaran, professor of law at the University of California Irvine School of Law, posits that those in power have pushed the idea of Black-owned banks as a diversionary tactic whenever the African American community demanded more direct solutions to the racial wealth gap. For instance, although the Freedman’s Bank remains a critical facet of Black history, the Freedman’s Bureau originally proposed providing newly freed slaves with an allotment of land—they received a bank instead.

More recently, when civil rights leaders began calling for a redistribution of wealth, President Richard Nixon co-opted the rhetoric of that same movement to create a civil rights platform centered around “Black capitalism.” He wasn’t the only president to support the idea of banking over financial support. President Bill Clinton introduced legislation with the aim of promoting “community empowerment” via banking. Across party lines, Presidents George W. Bush and Barack Obama supported and upheld Clinton’s infrastructure. Former President Donald Trump had also made similar promises during his time in office.

Baradaran further argues that—as it is nearly impossible for a segregated community to keep its wealth entirely self-contained—Black-owned banks may actually facilitate the flow of money out of African American communities and into the white economy.

Prof. Mount sees it the same way, “By emerging themselves within a white-governed capitalist marketplace, Black banks are facilitating the very extraction of wealth from the communities they purport to serve,” he says.

Black-Owned Banks: State-by-State Breakdown

While the number of Black-owned financial institutions may have declined from their peak, they cumulatively have a not-insignificant presence. According to Bank Black USA, historical Black-owned bank assets have totaled over $7.6 billion. As of Feb. 4, 2021, the 41 Black-owned banks and credit unions in the U.S. have approximately $6.82 billion in assets. And although 28 states have no Black-owned financial institutions within their borders, several organizations have a presence across the U.S. because of their partnerships with major ATM networks. Additionally, of the 41 Black-owned financial institutions in the country, half are not-for-profit credit unions.

The majority of Black-owned institutions offer both traditional brick-and-mortar branches and online/mobile services. Even OneUnited Bank, originally an Internet-only bank, now has multiple physical locations across the U.S. Ensuring online accessibility is a smart move considering that, in 2017, approximately 17.7% of African-American consumers were more likely to use mobile banking as their primary method of accessing their accounts. Currently, Columbia Savings and Loan is the sole institution without any online or mobile banking services.

Below: a list of Black-owned banks and credit unions in the U.S., in alphabetical order.

1st Choice Credit Union

Founded in 1946, the Hospital Authority Credit Union was created to provide financial services to employees of Grady Hospital. In 1991, the organization became known as 1st Choice Credit Union.

  • Branches: Auburn Avenue Administrative Office (Atlanta, Ga.) and Grady Memorial Hospital (Atlanta, Ga.)
  • ATMs: Crestview Health & Rehabilitation Center (Atlanta, Ga.) and Ponce De Leon Center (Atlanta, Ga.)
  • States: Georgia
  • Services: Personal and business checking and savings, in addition to loans (personal, mortgage, etc.)
  • Assets: $30.77 million
  • Availability: Brick-and-mortar and online

Alamerica Bank

Alamerica Bank was originally organized by a group of prominent Birmingham, Ala., community leaders on Jan. 28, 2000. Alamerica achieved operational profitability after six months of operation.

  • Branches: The Alamerica Bank Building (Birmingham, Ala.)
  • ATMs: N/A
  • States: Alabama
  • Services: Deposit services (business and personal accounts), loan services (commercial and personal loans), Internet banking, image statements, and MasterMoney debit cards
  • Assets: $15.36 million
  • Availability: Brick-and-mortar and online

Broadway Federal Bank

The Broadway Federal Bank is a subsidiary of Broadway Financial Corporation, a bank holding company located in Los Angeles, Calif. Formerly known as the Broadway Federal Savings and Loan Association, founded in 1946, the original building was destroyed by a fire on April 30, 1992. In December 1995, the organization was converted from a federally chartered mutual savings association to a federally chartered stock savings bank, hence the new name.

  • Branches: Mid-Wilshire Branch (Los Angeles, Calif.), Inglewood Branch (Inglewood, Calif.), and Exposition Park Branch (Los Angeles, Calif.)
  • ATMs: Part of the MoneyPass network
  • States: California
  • Services: Personal and business accounts, credit cards, and loan products
  • Assets: $497.03 million
  • Availability: Brick-and-mortar and online

Brookland Federal Credit Union

Founded in 1999, the Brookland Federal Credit Union is a not-for-profit financial cooperative that provides financial services to members of Brookland Baptist Church and their immediate family members. If you join Brookland Federal, you and your family have a lifetime membership.

  • Branches: Brookland Federal Credit Union (West Columbia, S.C.)
  • ATMs: N/A
  • States: South Carolina
  • Services: Savings, checking, loans, and other services (financial literacy, guaranteed auto protection, etc.)
  • Assets: $3.40 million
  • Availability: Brick-and-mortar and online

Carver Federal Savings Bank

The Carver Federal Savings Bank was founded in 1948 to serve African American communities with limited access to mainstream financial services. The majority of its branches and ATMs are located in low- to moderate-income neighborhoods. Carver Federal Savings Bank is one of the two banks that are considered “Black-operated” instead of Black-owned.

  • Branches: Atlantic Terminal Branch (Brooklyn, N.Y.), Bedford-Stuyvesant — Restoration Plaza Branch (Brooklyn, N.Y.), Crown Heights Branch (Brooklyn, N.Y.), Flatbush Branch (Brooklyn, N.Y.), and St Albans Branch (Jamaica, N.Y.), 125th Street Branch (New York City, N.Y.), and Malcolm X Boulevard Branch (New York City, N.Y.)
  • ATMs: Malcolm X Boulevard Branch (Brooklyn, N.Y.) and 125th Street Branch (New York City, N.Y.)
  • States: New York
  • Services: Personal and business banking, loans, and community cash
  • Assets: $673.05 million
  • Availability: Brick-and-mortar and online

Carver State Bank

Established on Feb. 23, 1927, the Georgia Savings and Realty Corporation was a small, private bank as well as a real estate investment and management company. In 1947, the original institution was converted to a state bank and became known as the Carver Savings Bank. By 1962, Carver had become a full-service commercial bank, thus its name was changed once more to the Carver State Bank.

  • Branches: Main Office (Savannah, Ga.) and Skidaway Branch (Savannah, Ga.)
  • ATMs: Main Office (Savannah, Ga.), Skidaway Branch (Savannah, Ga.), and Hilton Head International Airport (Savannah, Ga.)
  • States: Georgia
  • Services: Personal accounts (checking and savings), business accounts, loans, development programs, and other services (cashier’s checks, money orders, etc.)
  • Assets: $48.39 million
  • Availability: Brick-and-mortar and online

Citizens Bank

In 1904, the One Cent Savings Bank became the first minority-owned bank in Tennessee. The institution’s name was changed to the Citizens Savings Bank & Trust Co. in 1920. Citizens Bank is the oldest, continuously operating Black-owned bank in the U.S.

  • Branches: Memphis Winchester Road Branch (Memphis, Tenn.) and Main Office (Nashville, Tenn.)
  • ATMs: Main Office (Nashville, Tenn.)
  • States: Tennessee
  • Services: Personal and business banking (checking and savings), credit cards, and loans (personal, business, etc.)
  • Assets: $100 million
  • Availability: Brick-and-mortar and online

Citizens Trust Bank

In 1921, the Citizens Trust Bank was created to serve the African American citizens of Atlanta. Today, the bank plays an active role in providing sponsorship support for multiple community organizations.

  • Branches: Birmingham (Birmingham, Ala.), Eutaw Branch (Eutaw, Ala.), Cascade Branch (Atlanta, Ga.), Corporate Headquarters (Atlanta, Ga.), Westside Branch (Atlanta, Ga.), East Point Branch (East Point, Ga.), and Rockbridge Branch (Stone Mountain, Ga.)
  • ATMs: Castleberry Inn ATM (Atlanta, Ga.), Westside ATM (Atlanta, Ga.), South Dekalb Mall ATM (Decatur, Ga.), Lithonia ATM (Lithonia, Ga.), Rockbridge Plaza ATM (Stone Mountain, Ga.), Stone Mountain ATM (Stone Mountain, Ga.), and Panola ATM (Stonecrest, Ga.)
  • States: Alabama and Georgia
  • Services: Banking (savings, checking, etc.) and borrowing (loans, credit cards, etc.) services 
  • Assets: $536.65 million
  • Availability: Online and brick-and-mortar

Columbia Savings & Loan

Columbia Savings & Loan has served Milwaukee’s inner city, particularly its minority population, since 1924.

  • Branches: Columbia Savings & Loan Association (Milwaukee, Wis.)
  • ATMs: N/A
  • States: Wisconsin
  • Services: Mortgages, church loans, and CDs/IRAs
  • Assets: $24.41 million
  • Availability: Brick-and-mortar only

Commonwealth National Bank

Founded in 1976, the Commonwealth National Bank is a full-service nationally chartered commercial institution. Commonwealth is the sole bank headquartered in Mobile, out of the 45 banks doing business there. In addition to being the only Minority Depository Institution (MDI) in Mobile, it is one of two in Alabama.

  • Branches: Main Office Branch (Mobile, Ala.) and Crichton Branch (Mobile, Ala.)
  • ATMs: Main Office Branch (Mobile, Ala.), Crichton Branch (Mobile, Ala.), any Publix Super Market ATM, and any PNC Bank ATM
  • States: Alabama
  • Services: Consumer and business services, in addition to loans
  • Assets: $55.06 million
  • Availability: Brick-and-mortar and online

Community Owned Federal Credit Union

In 1966, the Community Owned Federal Credit Union was founded to provide low-income communities in Johns Island and part of Charleston with financial services typically denied to them by mainstream institutions. Membership has since grown to include the entire Charleston area.

  • Branches: Community Owned Federal Credit Union (Charleston, S.C.)
  • ATMs: N/A
  • States: South Carolina
  • Services: Primary savings account, loans, and other services (direct and payroll deposit, in addition to credit workshops)
  • Assets: $6.54 million
  • Availability: Brick-and-mortar and online

Credit Union of Atlanta

Founded in 1928, the Credit Union of Atlanta remained stable and secure throughout the Great Depression. Any profits earned are used to secure better rates for the institution’s members.

  • Branches: Main Office (Atlanta, Ga.) and Pryor Street Lending Center (Atlanta, Ga.)
  • ATMs: Atlanta Detention Center (Atlanta, Ga.), Atlanta Public Safety Annex (Atlanta, Ga.), Credit Union of Atlanta (Atlanta, Ga.), and Pryor Street Lending Center (Atlanta, Ga.), in addition to any ATMs in the MoneyPass and STAR networks
  • States: Georgia
  • Services: Personal savings and checking, business checking, credit builder and personal loans, and payment protection
  • Assets: $77.91 million
  • Availability: Brick-and-mortar and online

Faith Community United Credit Union

Originally chartered in 1952 as Second Mount Sinai Baptist Church Credit Union, Faith Community United Credit Union became a Community Development Credit Union (CDCU) in 1991. Faith is one of the largest minority-owned Credit Unions in Ohio, and it is available to anyone who lives, works, worships, or attend school in Cuyahoga County as well as their family, business, and organization. Membership is also possible through a Select Employee Group (SEG).

  • Branches: Faith Community United Credit Union (Cleveland, Ohio)
  • ATMs: N/A
  • States: Ohio
  • Services: Deposit services, loan services, insurance, and other services
  • Assets: $18.01 million
  • Availability: Brick-and-mortar and online

Faith Cooperative Credit Union

The story of the Faith Cooperative Credit Union is a tale of two different organizations. St. John Federal Credit Union was founded in 1959. It became known as the Faith Cooperative Credit Union after it was integrated with the Friendship-West Baptist Church’s vision of a microloan bank.

  • Branches: Administrative Offices (Dallas, Texas)
  • ATMs: One located “near the Banquet Hall”
  • States: Texas
  • Services: Savings, loans, and gap protection
  • Assets: $1.67 million
  • Availability: Brick-and-mortar and online

FAMU Federal Credit Union

On May 8, 1935, six individuals were convinced to deposit $50 to acquire a federal credit union charter, resulting in the founding of the Florida A&M College Employees Federal Credit Union. By 1953, the organization renamed to Florida A&M University Federal Credit Union due to its location on the FAMU campus.

  • Branches: Office (Tallahassee, Fla.)
  • ATMs: One located in the “first drive-thru lane”as well asany ATMs that are part of the American Express, CULIANCE, The Exchange, Honors, Member Access, Plus, Presto, Publix, Walmart, and “other Credit Unions with the participating listed networks”
  • States: Florida
  • Services: Accounts (checking, savings, IRA), Rattler debit and VISA credit cards, loans, wire transfers, and other services (notary services, bill payments, etc.)
  • Assets: $22.85 million
  • Availability: Brick-and-mortar and online

First Independence Bank

In business since May 11, 1970, the First Independence Bank has served the Detroit Metropolitan area for 50 years. First Independence is the sole African American‐owned bank headquartered in Michigan, in addition to being one of two banks headquartered in Detroit.

  • Branches: Clinton Township Branch (Clinton Township, Mich.), Main Office Branch (Detroit, Mich.), and Seven Mile Branch (Detroit, Mich.)
  • ATMs: Garfield Branch (Clinton Township, Mich.), 1st Floor International Building (Detroit, Mich.), City County Building (Detroit, Mich.), Livernois (Detroit, Mich.), and Main Office Branch (Detroit, Mich.), Seven Mile Branch (Detroit, Mich.), in addition to “any nationwide ... Fifth Third, TCF, or Chemical Bank ATM ... in the Metro Detroit area”
  • States: Michigan
  • Services: Consumer and business services, in addition to loans
  • Assets: $290.57 million
  • Availability: Brick-and-mortar and online

First Legacy Community Credit Union

The School Workers Federal Credit Union was founded by a group of educators in Feb. 14, 1941. On Jan. 1, 2020, First Legacy Community Credit Union merged with the Self-Help Federal Credit Union and now operates as a division of Self-Help.

  • Branches: First Legacy Community Credit Union (Charlotte, N.C.)
  • ATMs: Part of the CO-OP/Covera ATM network
  • States: North Carolina
  • Services: Checking, savings, loans, and other services
  • Assets: $29.33 million
  • Availability: Brick-and-mortar and online

First Security Bank

The Security Trust and Savings Bank first opened for business in 1903. Twenty-six years later, it merged with the First National Bank of Charles City, creating the First Security Bank & Trust.

  • Branches: Aredale (Aredale, Iowa), Charles City Branch (Charles City, Iowa), Dumont Branch (Dumont, Iowa), Hampton Branch (Hampton, Iowa), Ionia Branch (Ionia, Iowa), Manly Branch (Manly, Iowa), Marble Rock Branch (Marble Rock, Iowa), Nora Springs Branch (Nora Springs, Iowa), Riceville Branch (Riceville, Iowa), Rockford Branch (Rockford, Iowa), Rockwell Branch (Rockwell, Iowa), Rudd Branch (Rudd, Iowa), and Thornton Branch (Thornton, Iowa)
  • ATMs: Charles City Branch (Charles City, Iowa), Manly Branch (Manly, Iowa), Marble Rock Branch (Marble Rock, Iowa), Nora Springs Branch (Nora Springs, Iowa), Riceville Branch (Riceville, Iowa), Rockford Branch (Rockford, Iowa), Rockwell Branch (Rockwell, Iowa), and Thornton Branch (Thornton, Iowa)
  • States: Iowa
  • Services: Personal (checking, savings, etc.), business (checking, savings, etc.), and lending (personal and auto loans, mortgage and home equity, etc.)
  • Assets: $564.98 million
  • Availability: Brick-and-mortar and online

GN Bank

In 1934—after working closely with the Federal Home Loan Bank of Chicago—13 African American men founded Illinois Service Federal to provide a savings and loan association for Black Chicagoans. The institution was acquired by Groupe Ndoum in 2016, which led to its name change to GN Bank in 2018.

  • Branches: Main Branch (Chicago, Ill.) and Chatham Office (Chicago, Ill.)
  • ATMs: Main Branch (Chicago, Ill.) and Chatham Office (Chicago, Ill.), in addition to any ATMs in the STAR network
  • States: Illinois
  • Services: Personal (checking, savings, and credit cards) and small business services (checking, lending, credit cards)
  • Assets: $133 million
  • Availability: Brick-and-mortar and online

Greater Kinston Credit Union

The Greater Kinston Credit Union was founded in 1952 and provides a variety of loans and deposit accounts. People who live, work, worship, or attend functions in Lenoir, Greene, Jones, Craven, and Pitt counties are eligible for membership.

  • Branches: Branch Office (Kinston, N.C.)
  • ATMs: Part of the CashPoints network
  • States: North Carolina
  • Services: Debit and credit cards; deposit (checking, savings, etc.), nonprofit, and youth accounts; mortgage and personal lending; and other services (automated services, branch services, etc.)
  • Assets: $12.91 million
  • Availability: Brick-and-mortar and online

Hill District Federal Credit Union

The Hill District Federal Credit Union got its start in 1970 and has provided financial services to its members for 50 years. People who live, work, or worship in the Hill District—as well as members of an organization that provides economic assistance in the same area—are eligible to join this institution.

  • Branches: Hill District Federal Credit Union (Pittsburgh, Pa.)
  • ATMs: N/A
  • States: Pennsylvania
  • Services: Debit and gift cards, savings, checking, loans, other services (money orders, financial literacy classes, etc.)
  • Assets: $7.79 million
  • Availability: Brick-and-mortar and online

Hope Credit Union

In 1995, members of the Anderson United Methodist Church organized the Hope Federal Credit Union to help low-income Jackson, Miss., residents with asset development, cooperation, and self-empowerment. Hope has since spread across the Deep South through its sponsors and by merging with other financial organizations, with the most recent being the Tri-Rivers Federal Credit Union in 2007. In June 2020, Netflix invested $10 million into Hope as part of its $100 million initiative to support economic opportunities for Black communities.

  • Branches: ArbaStreet Branch (Montgomery, Ala.), McGehee Road Branch (Montgomery, Ala.), College Station Branch (College Station, Ark.), Little Rock Branch (Little Rock, Ark.), Pine Bluff Branch (Pine Bluff, Ark.), West Memphis Branch (West Memphis, Ark.), Central City Branch (New Orleans, La.), Elysian Fields Branch (New Orleans, La.), Michoud Assembly Facility Branch (New Orleans, La.), Mississippi Coast Branch (Biloxi, Miss.), Drew Branch (Drew, Miss.), Greenville Branch (Greenville, Miss.), Itta Bena Branch (Itta Bena, Miss.), Medical Mall Branch (Jackson, Miss.), University Boulevard Branch (Jackson, Miss.), Louisville Branch (Louisville, Miss.), Macon Branch (Macon, Miss.), Moorhead Branch (Moorhead, Miss.), Robinsonville Branch (Robinsonville, Miss.), Shaw Branch (Shaw, Miss.), Terry MS Branch (Terry, Miss.), Utica Branch (Utica, Miss.), West Point Branch (West Point, Miss.), Jackson Branch (Jackson, Tenn.), Crosstown Branch (Memphis, Tenn.), Harvester Lane Branch (Memphis, Tenn.), Madison Avenue Branch (Memphis, Tenn.), and Ridgeway Branch (Memphis, Tenn.), in addition to any credit unions in the Shared Branching network.
  • ATMs: Pine Bluff Branch (Pine Bluff, Ark.), West Memphis Branch (West Memphis, Ark.), Central City Branch (New Orleans, La.), Elysian Fields Branch (New Orleans, La.), Mississippi Coast Branch (Biloxi, Miss.), Drew Branch (Drew, Miss.), Greenville Branch (Greenville, Miss.), Medical Mall Branch (Jackson, Miss.), University Boulevard Branch (Jackson, Miss.), Robinsonville Branch (Robinsonville, Miss.), Shaw Branch (Shaw, Miss.), Terry MS Branch (Terry, Miss.), Jackson Branch (Jackson, Tenn.), Harvester Lane Branch (Memphis, Tenn.), Madison Avenue Branch (Memphis, Tenn.), and Ridgeway Branch (Memphis, Tenn.)
  • States: Alabama, Arkansas, Louisiana, Mississippi, and Tennessee
  • Services: Personal (checking and wealth-building accounts, personal loans, credit cards, etc.) and business (checking and loans) banking, in addition to transformational deposits
  • Assets: $361.29 million
  • Availability: Brick-and-mortar and online

Howard University Employees Federal Credit Union

Originally chartered on Oct. 11, 1935, the Howard University Employees Federal Credit Union provides financial services to employees of Howard University and their family members. Those who join Howard University Employees FCU have a lifetime membership.

  • Branches: C B Powell Building (Washington, D.C.)
  • ATMs: Part of the CO-OP and CU Here networks
  • Locations: Washington, D.C.
  • Services: Accounts (savings, checking, etc.) and loans
  • Assets: $10 million
  • Availability: Brick-and-mortar and online (home loans only)

Industrial Bank

Industrial Bank first opened on Aug. 20, 1934, and is one of the larger Black-owned banks in the U.S. In addition to a wide variety of financial services, Industrial Bank also offers free financial education programs.

  • Branches: Harlem Banking Center (New York City, N.Y.), Bergen Street Banking Center (Newark, N.J.), Halsey Street Banking Center (Newark, N.J.), Anacostia Gateway Banking Center (Washington, D.C.), F Street Banking Center (Washington, D.C.), Forestville Banking Center (Washington, D.C.), Georgia Avenue Banking Center (Washington, D.C.), J.H. Mitchell Banking Center (Washington, D.C.), Oxon Hill Banking Center (Washington, D.C.), and U Street Banking Center (Washington, D.C.)
  • ATMs: Harlem Office (New York City, N.Y.), Bergen Street Office (Newark, N.J.), Halsey Street Office (Newark, N.J.), Anacostia Gateway Office (Washington, D.C.), Ben’s Chili Bowl (Washington, D.C.), DC Court of Appeals (Washington, D.C.), DC Superior Court (2) (Washington, D.C.), F Street Office (Washington, D.C.), Forestville Office (Washington, D.C.), Georgia Avenue Office (Washington, D.C.), J.H. Mitchell Office (Washington, D.C.), Nationals Park (Washington, D.C.), Oxon Hill Office (Washington, D.C.), and U Street Office (Washington, D.C.), in addition to any ATMs in the Allpoint network
  • States: New Jersey, New York, and Washington, D.C.
  • Services: Personal (loans, checking, etc.) and business (services, loans, etc.) services
  • Assets: $432 million
  • Availability: Brick-and-mortar and online 

Liberty Bank

Liberty Bank was originally chartered in New Orleans in 1972. After acquiring the United Bank and Trust Company in 2009, its service grew across the Greater New Orleans area. Liberty Bank is the second-largest Black-owned bank in physical footprint, with branches in eight states.

  • Branches: Montgomery Liberty Bank (Montgomery, Ala.), Tuskegee Liberty Bank (Tuskegee, Ala.), Liberty Bank Forest Park (Forest Park, Ill.), Kansas City Liberty Bank (Kansas City, Kan.), Louisville Liberty Bank (Louisville, Ky.), Southdowns Liberty Bank (Baton Rouge, La.), Southern Heights Liberty Bank (Baton Rouge, La.), Canal Street Liberty Bank (New Orleans, La.), Crowder Blvd Liberty Bank (New Orleans, La.), Franklin Ave Liberty Bank (New Orleans, La.), General DeGaulle Liberty Bank (New Orleans, La.), Gentilly Blvd Liberty Bank (New Orleans, La.), Woodward Ave Liberty Bank (Detroit, Mich.), Jackson Liberty Bank (Jackson, Miss.), and Kansas City Liberty Bank (Kansas City, Mo.)
  • ATMs: Montgomery Liberty Bank (Montgomery, Ala.), Tuskegee Liberty Bank (Tuskegee, Ala.), Liberty Bank Forest Park (Forest Park, Ill.), 4850 State Street (Kansas City, Kan.), Southdowns Liberty Bank (Baton Rouge, La.), Southern Heights Liberty Bank (Baton Rouge, La.), 910-B Decatur Street (New Orleans, La.), 2800 Gravier Street (New Orleans, La.), American Can (New Orleans, La.), Canal Street Liberty Bank (New Orleans, La.), City Hall (New Orleans, La.), Crowder Blvd Liberty Bank (New Orleans, La.), Dillard — Rosenwald Hall (New Orleans, La.), Franklin Rouses (New Orleans, La.), French Market (New Orleans, La.), General DeGaulle Liberty Bank (New Orleans, La.), Gentilly Blvd Liberty Bank (New Orleans, La.), Lafon Nursing Facility (New Orleans, La.), Lockheed Martin Buildings 102 & 350 (New Orleans, La.), Orleans Sheriff (New Orleans, La.), Xavier University (2) (New Orleans, La.), Jackson Evers International Airport (Jackson, Miss.), Jackson Liberty Bank (Jackson, Miss.), Student Center (Jackson, Miss.), Tougaloo College (Jackson, Miss.), and Union Station (Jackson, Miss.)
  • States: Alabama, Illinois, Kansas, Kentucky, Louisiana, Michigan, Mississippi, and Missouri
  • Services: Personal (checking, savings, etc.), business (checking, savings, etc.), and institutional (cash management, corporate financing, etc.) services
  • Assets: $756.77 million
  • Availability: Brick-and-mortar and online

Mechanics & Farmers Bank

Founded in 1907 by nine businessmen, the Mechanics & Farmers Bank is a state-chartered commercial bank. By 1935, M&F Bank became the first lending institution in North Carolina to receive FHA certification. Mechanics & Farmers merged with Fraternal Bank & Trust in 1921 and acquired Mutual Community Savings Bank in 2008.

  • Branches: Charlotte (Charlotte, N.C.), Corporate Headquarters (Durham, N.C.), Durham Branch — Durham-Chapel Hill Boulevard (Durham, N.C.), Greensboro (Greensboro, N.C.), Raleigh Branch — Rock Quarry Road (Raleigh, N.C.), Winston-Salem (Winston-Salem, N.C.)
  • ATMs: Durham Branch (Durham, N.C.) and Raleigh Branch — East Hargett Street (Raleigh, N.C.)
  • States: North Carolina
  • Services: Personal (checking and savings accounts, loans, etc.) and business (commercial checking and savings, loans, etc.) services, in addition to wealth management
  • Assets: $316.45 million
  • Availability: Brick-and-mortar and online

Mount Olive Baptist Church Federal Credit Union

It received its Federal Charter on Oct. 21, 1997. The Mount Olive Baptist Church Federal Credit Union is a faith-based, not-for-profit financial institution. Mount Olive Baptist Church members and their immediate families are eligible to join this organization.

  • Branches: Mount Olive Baptist Church FCU (Dallas, Texas)
  • ATMs: N/A
  • States: Texas
  • Services: Loans (auto, unsecured, etc.), savings accounts, direct deposits, and wire transfers
  • Assets: $8.36 million
  • Availability: Brick-and-mortar and online

Oak Cliff Christian Federal Credit Union

Officially chartered on Sept. 22, 2008, the Oak Cliff Christian Federal Credit Union is a Christian-based financial institution sponsored by the Oak Cliff Bible Fellowship. Members, employees, students, or family of the Oak Cliff Bible Fellowship (and its subsidiaries) are eligible to join the organization.

  • Branches: Oak Cliff Christian FCU (Dallas, Texas)
  • ATMs: N/A
  • States: Texas
  • Services: Loans, financial products (IRAs, money market, etc.), direct deposit, money orders, and credit reports
  • Assets: $7.34 million
  • Availability: Brick-and-mortar and online

Omega Psi Phi Fraternity Federal Credit Union

Founded in 1986, the Omega Psi Phi Fraternity Federal Credit Union is open to members of the fraternity, including its chapters, districts, and other related organizations, and their families, in addition to employees of both the fraternity and credit union itself.

  • Branches: Omega Psi Phi Fraternity Federal Credit Union c/o CAMO (Toccoa, Ga.)
  • ATMs: N/A
  • States: Georgia
  • Services: Accounts (single, joint, etc.), share draft checking, loans, and credit cards
  • Assets: $2.35 million
  • Availability: Brick-and-mortar and online

OneUnited Bank

OneUnited Bank was the first online-only Black-owned bank and is the largest Black-owned bank in the U.S. Originally founded in 1968 as Unity Bank and Trust Company, OneUnited has financed more than $100 million in loans thus far, predominantly in low- to moderate-income communities.

“Everyone is talking about OneUnited Bank now, but what they’re not focusing on with OneUnited Bank is they’re heavily engaged in financial education and financial literacy in the cities that need it most,” Tyrone Ross, community director of Altruist, explains. “So I feel like right now, when you support OneUnited, again you get those end roads into their programs they already have instituted to provide access to financial education and financial literacy.”

  • Branches: Compton Branch (Coming Soon) (Compton, Calif.), Corporate Office and Crenshaw Branch (Los Angeles, Calif.), Miami Branch (Miami, Fla.), Corporate Headquarters (Boston, Mass.), and Roxbury Branch (Roxbury, Mass.)
  • ATMs: Part of the MoneyPass network
  • States: California, Florida, and Massachusetts
  • Services: Checking, savings, and secured VISA credit card
  • Assets: $650 million
  • Availability: Brick-and-mortar and online

OPTUS Bank

The story of OPTUS began in 1921, with the founding of the Victory Savings Bank by a group of African American leaders. OPTUS is committed to helping anyone, regardless of background or situation, build their wealth and improve their lives.

  • Branches: Main Branch (Columbia, S.C.)
  • ATMs: Beltline Branch (Columbia, S.C.), Corporate Office (Columbia, S.C.), and Main Branch (Columbia, S.C.)
  • States: South Carolina
  • Services: Personal (IRAs, consumer loans, etc.) and business (transaction accounts, merchant services, etc.) banking
  • Assets: $161.53 million
  • Availability: Brick-and-mortar and online

South Side Community Federal Credit Union

Since 2004, the South Side Community Federal Credit Union has offered access to credit and savings services for its members, in addition to financial education. Individuals are eligible for membership if they live, work, worship, attend school, or belong to an organization that is within Chicago’s South Side.

  • Branches: South Side Community Federal Credit Union (Chicago, Ill.)
  • ATMs: N/A
  • States: Illinois
  • Services: Accounts (savings, checking, etc.), loans (payroll advance, payday alternative, etc.), financial education classes, and other services (transfer sweeps, money orders, etc.)
  • Assets: $5.08 million
  • Availability: Brick-and-mortar and online

Southern Teachers & Parents Federal Credit Union

With more than 80 years of service, Southern Teachers & Parents Federal Credit Union provides personalized financial services to its members. Those eligible for membership include alumni, employees, parents, and students of Southern University; employees in Assumption, East Baton Rouge, Lafourche, and West Feliciana parishes; employees in Thibodaux and the Lafourche Parish Juvenile Justice Facility; and their family members.

  • Branches: Main Office (Baton Rouge, La.) and Lafeda Branch (Thibodaux, La.)
  • ATMs: Part of the CU Alliance network
  • States: Louisiana
  • Services: Accounts (checking, savings, and youth), loans, other services (VISA debit and credit cards, financial counseling, etc.)
  • Assets: $30.34 million
  • Availability: Brick-and-mortar and online

St. Louis Community Credit Union

Originally chartered in 1942 as the Teachers Credit Union, St. Louis Community Credit Union offers both financial services and several programs to support consumers in the local community. Individuals who live or work in St. Louis City, Franklin, and St. Louis county in Missouri—as well as in St. Clair, Madison, Monroe, and Jersey counties in Illinois—are eligible for membership, in addition to their families.

  • Branches: Ferguson Branch (Ferguson, Mo.), Florissant Branch (Florissant, Mo.), Flower Valley Branch (Florissant, Mo.), Pagedale Branch (Pagedale, Mo.), Richmond Heights (Richmond Heights, Mo.), St. John Branch (St. John), Benton Park Branch (St. Louis, Mo.), Gateway Branch (St. Louis, Mo.), Grace Hill (St. Louis, Mo.), Jennings Branch (St. Louis, Mo.), LifeWise STL (St. Louis, Mo.), Midtown Branch (St. Louis, Mo.), South City (St. Louis, Mo.), Southtown Branch (St. Louis, Mo.), Sullivan Branch (St. Louis, Mo.), University City (University City, Mo.), MET Center (Wellston, Mo.)
  • ATMs: Part of the CO-OP network
  • States: Missouri
  • Services: Loans (auto, personal, etc.), accounts (savings and checking), business development, advocacy, and insurance (life, AD&D, etc.)
  • Assets: $285 million
  • Availability: Brick-and-mortar and online

The Harbor Bank of Maryland

Originally opening its doors in September 1982, The Harbor Bank of Maryland offers banking and other financial services, primarily in the Baltimore metropolitan area. Harbor Bank was also the first community bank in the U.S. to have an investment subsidiary and the first to receive funding from Fannie Mae via the Community Development Financial Institution (CDFI) program. Harbor Bank is one of the two banks that are considered “Black-operated” instead of Black-owned.

  • Branches: Inner Harbor East Office (Baltimore, Md.), Main Office (Baltimore, Md.), Pimlico Office (Baltimore, Md.), Research Park Office (Baltimore, Md.), The Harbor Science & Technology Park East Branch (Baltimore, Md.),Randallstown Office (Randallstown, Md.), and Silver Spring (Silver Spring, Md.)
  • ATMs: Inner Harbor East Office (Baltimore, Md.), Main Office (Baltimore, Md.), Pimlico Office (Baltimore, Md.), Research Park Office (Baltimore, Md.), The Harbor Science & Technology Park East Branch (Baltimore, Md.),Randallstown Office (Randallstown, Md.), and Silver Spring (Silver Spring, Md.), in addition to any ATMS in the AllPoint network
  • States: Maryland
  • Services: Personal (checking, mortgages, etc.) and business (checking, savings, etc.) banking, in addition to loans (personal, mortgage, and business)
  • Assets: $327.45 million
  • Availability: Brick-and-mortar and online

Toledo Urban Federal Credit Union

Toledo Urban Federal Credit Union originally opened its doors on July 21, 1996, to help its members achieve economic empowerment. Membership in Toledo’s first community development credit union is available to individuals who live, work, worship, perform volunteer services, or participate in associations headquartered in the central city community, in addition to their families.

  • Branches: Nexus Building (Toledo, Ohio) and Toledo Urban Federal Credit Union (Toledo, Ohio)
  • ATMs: N/A
  • States: Ohio
  • Services: Checking and share accounts, loans (personal, tuition, etc.), credit and ATM/debit cards, credit counseling, and other services (notary service, overdraft protection, etc.)
  • Assets: $10 million
  • Availability: Brick-and-mortar and online

Tri-State Bank

In the first 10 years after its founding in 1946, Tri-State Bank of Memphis made more than $10 million in first mortgage loans on homes, representing home ownership for more than 2,000 African American families. Tri-State has also played a critical part in the civil rights movement, including hosting local sit-ins in the bank’s boardroom, providing bail money for protesters, and providing $60,000 in loans to help save the Lorraine Motel, the site of Dr. Martin Luther King’s assassination, from foreclosure in 1982.

  • Branches: Whitehaven (Memphis, Tenn.)
  • ATMs: Whitehaven (Memphis, Tenn.) and any ATMs in the Money Tower network
  • States: Tennessee
  • Services: Personal (checking, savings, etc.), business (checking, savings, etc.), loans (auto, mortgage, etc.), and other services (financial education, Fraud Center, etc.)
  • Assets: $111 million
  • Availability: Brick-and-mortar and online

United Bank of Philadelphia

Originally founded in 1992, United Bank of Philadelphia offers personalized banking services in the Greater Philadelphia area to both individuals and businesses. By providing financing to small businesses in urban areas, United Bank supports their growth and allows them to create jobs with livable wages, thus improving the economic condition of those working in the local community.

  • Branches: Center City (Philadelphia, Pa.) and Progress Plaza (Philadelphia, Pa.)
  • ATMs: C-Town Supermarket (Philadelphia, Pa.), City Hall (Philadelphia, Pa.), Criminal Justice Center (Philadelphia, Pa.), Masjidullah Inc. (Philadelphia, Pa.), Philadelphia Traffic Court (Philadelphia, Pa.), Police Districts (Philadelphia, Pa.), Revolutions at Penn Treaty (Philadelphia, Pa.), The Fillmore-Philadelphia (Philadelphia, Pa.), and West Philadelphia (Philadelphia, Pa.)
  • States: Pennsylvania
  • Services: Personal and business banking (checking, savings, etc.), in addition to loans (SBA and commercial loans)
  • Assets: $54.64 million
  • Availability: Brick-and-mortar and online

Unity National Bank

The bank was founded in 1963 and chartered in 1985. “In February 1989, through a series of transactions and diligent efforts, it was acquired from Bay Bancshares by local minority leaders,” the bank’s history reports. Unity focuses on helping to rebuild the community with an emphasis on commercial loans and mortgages. It also works closely with civic organizations and agencies, such as the NAACP and the Third Ward Redevelopment Council.

  • Branches: Atlanta (Atlanta, Ga.) Blodgett (Houston, Texas), and Fort Bend (Missouri City, Texas)
  • ATMs: Atlanta (Atlanta, Ga.) Blodgett (Houston, Texas), and Fort Bend (Missouri City, Texas), in addition to any ATMs in the Select network
  • States: Georgia and Texas
  • Services: Business and personal services (loans, checking and savings accounts, etc.)
  • Assets: $133.61 million
  • Availability: Brick-and-mortar and online

Urban Upbound Federal Credit Union

Urban Upbound was founded in 2004, to provide five integrated programs to individuals living in public housing and and other low- and moderate-income neighborhoods. The Urban Upbound Federal Credit Union offers affordable financial services to its members.

  • Branches: Urban Upbound Federal Credit Union (Long Island City, N.Y.)
  • ATMs: N/A
  • States: New York
  • Services: Savings, share certificates, as well as personal and small business loans
  • Assets: $1.35 million
  • Availability: Brick-and-mortar and online

Virginia State University Federal Credit Union

Authority to establish the Virginia State College Federal Credit Union was granted on Oct. 19, 1938. On May 22, 1979, the organization’s board of directors voted to change the name to the Virginia State University Federal Credit Union.

  • Branches: Virginia State University Federal Credit Union (South Chesterfield, Va.)
  • ATMs: Virginia State University Federal Credit Union (South Chesterfield, Va.)
  • States: Virginia
  • Services: Loans, accounts (checking, savings, etc.), insurance, and other services (wire transfer, direct deposit, etc.)
  • Assets: $10.17 million
  • Availability: Brick-and-mortar and online
Источник: https://www.investopedia.com/black-owned-banks-by-state-5024944

Bank of America Headquarters Address, CEO Email Address and Contact Information

Bank of America is one of the largest MNC investment banks in the US. In addition to banking service, BOA offers financial services, including credit cards, home loans, auto loans, saving accounts, and more. To buy credit card with good benefits, many people prefer BOA. They offer attractive loan rates and best services. The bank was founded in San Francisco, California to cater the needs of financial services and banking customers in the United States of America. The bank is headquartered in Charlotte, North Carolina, United States.

The bank is headquartered in Charlotte, North Carolina, United States. BOA is listed on the NYSE with stock name BAC. As of December 13, 2019, the stock price of BAC is US$34.44. Brian T Moynihan is the Chief Executive Officer of the bank since January 2010.

Bank of America Headquarters

Bank of America Headquarters

Bank of America Headquarters Info

To send your query to the highest level i.e. corporate headquarters, please save Bank of America Corporate Headquarters Address, Bank of America Corporate Center, 100 North Tryon Street, Charlotte, NC 28255, United States. Please get in touch with BOA Corporate Headquarters when you didn’t get satisfactory answer from the lower management, customer support, and other ways.

Bank of America General account information, Lost or stolen ATM or debit card, Opening an account

Use this 800.432.1000 contact number in case of lost or stolen debit card or stolen ATM, general account information and any query regarding to opening an account. Please contact on this 1.315.724.4022 number in case of international collect, but make sure that cell phone roaming charges may apply.

Bank of America provide the facility of 24/7 automated support at 800.688.6086. The TTY or TDD Number of  Bank of America is 800.288.4408.

Bank of America Supplier relations and development help desk support

If you are in U.S., and want to contact development help desk support, then please call on 888.550.6433. For the outside U.S. and international collect, please call on 1.401.865.7948. Make sure that cell phone roaming charges may apply.

For Neighborhood builders, Local grants,  Student leaders, Volunteer grants, and Matching gifts, please contact on 800.218.9946.

Bank of America Joe Martin Scholarship (for Bank of America employees and retirees only)

Kindly call on 800.537.4180 this number for Joe Martin Scholarship only for Bank of America employees and retirees. Bank of America provide helpline in Spanish on 800.688.6086 this number.

Bank of America ATM Customer Service

Please note this mailing address of Bank of America PO Box 25118, Tampa, FL 33622–5118, in case of any query or issues regarding to ATM. To report a problem with an ATM, please call at 844.401.8500 and select option 1. You can contact Bank of America for ATM customer service through telephone on 844.401.8500 and select option 2.

For general account servicing and information (your card or account number will be required)

You have any query or issues regarding to general account servicing, then please call at 844.401.8500 and select option 3. Make sure that your account number or card will be required. In case of international collect, kindly call on 1.315.724.4022. It would be cell phone roaming charges may apply on this number.

The bank also offers a helpline number in Spanish, which is 844.401.8500 and select option number 3. You can also contact through TTY/TDD number, which is 800.288.4408. If you are searching for official website of Bank of America, the please visit this official web portal https://www.bankofamerica.com/.

Bank of America Auto Loans Customer Service

The auto loans customer service number of Bank of America for new customers is 844.892.6002 and for existing customers is 800.215.6195. TTY/TDD number of Bank of America is 866.345.1248.

Bank of America CDs & IRAs Customer Service

The mailing address of CDs & IRAs Customer Service of Bank of America is Bank of America, TX2-979-02-14, PO Box 619040, Dallas, TX 75261-9943. You can contact for CDs & IRAs Customer Service through this 888.827.1812 helpline number and this 800.288.4408 TTY/TDD number.

Bank of America Checking & Savings Customer Service

If you want to know General account information or want to Report a lost or stolen ATM or want to get information about debit card or Open an account then please call on 800.432.1000 this number for inside U.S. and please call on 1.315.724.4022 this number for international collect. Make sure that cell phone roaming charges may apply for international collect.

In case of send a letter to Bank of America, use this postal address Bank of America, PO Box 25118, Tampa, FL 33622–5118. The Bank offers a Spanish helpline number 800.688.6086 and TTY/TDD number 800.288.4408.

Bank of America Credit Card Customer Service

If you are customer of Bank of America credit card and looking for support address related to credit card payment, please use this mailing address, Credit card payments, Bank of America, PO Box 15019, Wilmington, DE 19886-5019.

To know your Application status inquiries for Bank of America credit card, please use this mailing address, Bank of America, PO Box 2493, Norfolk, VA 23501-2493.

If you are looking for address other than mailing, please use this Express overnight service: Payment Services, 900 Samoset Drive, DE5-023-03-02, Newark, DE 19713-6000. For Credit card billing inquiries, please send your queries or concerns at, Bank of America, PO Box 982234, El Paso, TX 79998-2234.

If you have any Questions about card types, we strongly suggest you to use this address, Bank of America, PO Box 53132, Phoenix, AZ 85027-3132.

Contact Numbers

  • Credit card customer service (including lost or stolen card) Number: 800.732.9194 (24/7)
  • Phone Number: 1.757.677.4701 (international cell phone roaming charges may apply)
  • Credit card activation Number: 800.276.9939 (24/7)
  • TTY/TDD Number: 800.222.7365
  • Credit card billing inquiries Number: 866.266.0212

Bank of America Insurance & Protection Customer Service

If you are customer of Bank of America and looking for insurance and protection customer support and need support for Health Benefit Accounts (HSA, FSA, HRA), For assistance opening a new HSA account, please call at 800.992.3200 option 1.

If you are an existing customer with a service-related question, please call at this number 800.516.9561. If you are looking for assistance with an existing account Phone, please contact here 800.718.6710.

If you are looking for TTY/TDD number, here it is 800.305.5109 (only TTY/TDD Number). For additional assistance locating this contact information call at 866.817.2836.

Contact us from outside the U.S. (International Travel Support)

  • Call international collect: 1.315.724.4022 (international cell phone roaming charges may apply)
  • For credit card issues: 1.757.677.4701
  • For debit card issues: 1.315.724.4022

Bank of America Loans For Health Care Professionals: 800.497.6076

Bank of America Military & Student Banking Customer Service

If you are looking for mailing addresses of military banking and student banking support, please find here, Military Banking: Bank of America, TX7-400-01-15, San Antonio, TX 78208-8000 and Student Banking Group, PO Box 182174, Columbus, OH 43218-2174.

Phone Numbers

If you are looking phone number for student banking instead of mailing address, here it is their Student banking Phone number 800.432.1000 and Contact Number (international location): 1.315.724.4022 (international collect; cell phone roaming charges may apply). If you are looking for lending, please contact at Student lending section by calling at 800.344.8382.

If you are looking for phone support for Military banking, please use this phone number 800.334.1920. If you are calling from outside the United States, use this phone number 1.210.978.5000 (international collect; cell phone roaming charges may apply).

If you are an existing customer and looking for phone support of safe deposit box, please use this contact number 800.432.1000.

Bank of America Mobile Banking Customer Service

If you are looking for mobile banking customer support, please use this mailing address here, Bank of America, PO Box 25118, Tampa, FL 33622-5118 and to get phone support, please use this number 800.432.1000 (Mobile Banking support number only).

Bank of America Mortgage & Home Equity Customer Service

If you are an existing customer with current mortgages (Existing mortgages), please reach out at 800.669.6607 (Mon–Fri 8 a.m.-9 p.m. ET) to get customer support. If you are looking for phone support for New home equity applications, please reach out at 800.779.3894 (Mon–Fri 8 a.m.-10 p.m. ET, Sat 8 a.m.-6:30 p.m. ET).

If you are a having Existing home equity accounts, please reach to 800.934.5626 between Mon–Fri 8 a.m.-9 p.m. ET. If you are not an existing customer and looking for New mortgage, please reach at 800.270.5746 between Mon–Fri 8 a.m.-10 p.m. ET, Sat 8 a.m.-6:30 p.m. ET.

Bank of America Online Banking & Bill Pay Customer Service

If you are looking for customer support and service for online banking and bill pay, their mailing address is, FL1-300-02-07, PO Box 25118, Tampa, FL 33622-5118 and to get phone support, please reach to 800.432.1000 (Online Banking support Number).

Bank of America Privacy & Security Customer Service

If you are looking for private and security customer support mailing address, here it is, PO Box 25118, Tampa, FL 33622-5118. To get mailing address for privacy support, please use this address, Privacy Assist® Customer Service: PO Box 220510, Chantilly, VA 20153-0510.

To report a lost or stolen ATM or debit card, please reach out to this number 800.432.1000. If you are not located in the US and calling from international number, please use this 1.315.724.4022 (international collect; cell phone roaming charges may apply).

To report a lost or stolen credit card, please use this phone number 800.732.9194. If you are calling outside of the United States, please call 1.757.677.4701 (international collect; cell phone roaming charges may apply).

To report a lost or stolen check book, please use this customer support number 800.432.1000. If you are located outside of the US, call on this number 1.315.724.4022 (international collect; cell phone roaming charges may apply).

Report Fraudulent or Suspicious Activity Contact Details and Numbers

If you have received a call with fraud activities, or suspicious activity related to Bank of America, please inform at customer support number, for ATM or debit charges, please call on 877.366.1121 (ATM or debit charges). To get information or customer support for Mortgage accounts, please call on 800.669.6607.

If you have Home equity accounts and looking for support, please contact at 800.934.5626 (Home equity accounts) and for online banking support, please call at their phone 800.432.1000.

If you are looking for support in Spanish language for all work (Bank of America), please call 800.688.6086. If you are looking for all other customer support from Bank of America, please call at 800.432.1000, 1.315.724.4022 (international collect; cell phone roaming charges may apply).

Bank of America Small Business Customer Service

You are an owner of small business and want to open a new account, please call at 866.543.2808 (Customer Service Support for Opening a new account). To get customer support for Remote Deposit Online support, we suggest you to contact at 877.270.1242.

If your concern is not related to new account opening or remote deposit online, get your query answered at General servicing questions support number 888.BUSINESS (888.287.4637).

If your query is related to merchant services, please call at 800.430.7161 to get dedicated support for Merchant Services of Bank of America. If you are customer of online banking of Bank of America, and have any query related to it, please call at 866.758.5972 to get support for Online Banking.

We strongly suggest you to call on 888.606.4545 for Intuit(R) Online Payroll support from Bank of America.

Bank of America Email Format and bankofamerica.com Emails

To contact any employee, officer, or executive of Bank of America, use our suggested email format, two successful and most used email formats are, firstname ‘.’ lastname, [email protected], Uses 89.2%, and firstlast,  [email protected], Uses 3.1%.

Related Article: Fannie Mae Headquarters Contact Details

Article last re-published on November 1, 2020.

Источник: https://headquartersof.com/bank-of-america-headquarters-address-and-contact-information/

Bank of america new jersey corporate office -

United States

In the United States, Rabobank is a valued financial partner for corporate food & agricultural companies, farmers and ranchers, renewable energy project developers and investors, Dutch companies doing business in the US, and other select institutions.

Agricultural Finance

Rabo AgriFinance is a leading financial services provider for agricultural producers and agribusinesses in the United States, and adds value using industry expertise, client-focused solutions, and by creating long-term business relationships. Rabo AgriFinance offers a comprehensive portfolio of services that give producers the right products to prepare for, and take advantage of, market opportunities. Rabo AgriFinance representatives offer a wide array of financial services and knowledge to help customers realize their ambitions.  This comprehensive suite of services includes loans, insurance, input financing and sophisticated risk management products.

Wholesale Banking

Rabobank Wholesale Banking North America (WBNA) is a premier corporate and investment bank to the food, agribusiness, commodities and renewable energy industries, providing sector expertise, strategic advisory and tailored financial solutions.

In the United States, Rabobank has Wholesale representative offices in Atlanta and Chicago, with branch headquarters in New York. WBNA also has offices in Canada and Mexico.

Wholesale Banking Products & Services*

*In the United States, these banking services are provided by Rabobank Nederland, and any securities-related business is provided by Rabo Securities USA, Inc., which is a member of SIPC and FINRA.

International Desk for Dutch international business clients

The International Desk North America, dedicated to serve Dutch international business clients in the USA, is located in New York. Click here for more information about the International Desk North America.

Download Privacy Statements

More information

Источник: https://www.rabobank.com/en/locate-us/americas/usa.html

Justice News

Attorney General Eric Holder and Associate Attorney General Tony West announced today that the Department of Justice has reached a $16.65 billion settlement with Bank of America Corporation – the largest civil settlement with a single entity in American history ­— to resolve federal and state claims against Bank of America and its former and current subsidiaries, including Countrywide Financial Corporation and Merrill Lynch. As part of this global resolution, the bank has agreed to pay a $5 billion penalty under the Financial Institutions Reform, Recovery and Enforcement Act (FIRREA) – the largest FIRREA penalty ever – and provide billions of dollars of relief to struggling homeowners, including funds that will help defray tax liability as a result of mortgage modification, forbearance or forgiveness. The settlement does not release individuals from civil charges, nor does it absolve Bank of America, its current or former subsidiaries and affiliates or any individuals from potential criminal prosecution.

“This historic resolution - the largest such settlement on record - goes far beyond ‘the cost of doing business,’” said Attorney General Holder. "Under the terms of this settlement, the bank has agreed to pay $7 billion in relief to struggling homeowners, borrowers and communities affected by the bank’s conduct. This is appropriate given the size and scope of the wrongdoing at issue.”

This settlement is part of the ongoing efforts of President Obama’s Financial Fraud Enforcement Task Force and its Residential Mortgage-Backed Securities (RMBS) Working Group, which has recovered $36.65 billion to date for American consumers and investors.

“At nearly $17 billion, today’s resolution with Bank of America is the largest the department has ever reached with a single entity in American history,” said Associate Attorney General West. “But the significance of this settlement lies not just in its size; this agreement is notable because it achieves real accountability for the American people and helps to rectify the harm caused by Bank of America’s conduct through a $7 billion consumer relief package that could benefit hundreds of thousands of Americans still struggling to pull themselves out from under the weight of the financial crisis.”

The Justice Department and the bank settled several of the department’s ongoing civil investigations related to the packaging, marketing, sale, arrangement, structuring and issuance of RMBS, collateralized debt obligations (CDOs), and the bank’s practices concerning the underwriting and origination of mortgage loans. The settlement includes a statement of facts, in which the bank has acknowledged that it sold billions of dollars of RMBS without disclosing to investors key facts about the quality of the securitized loans. When the RMBS collapsed, investors, including federally insured financial institutions, suffered billions of dollars in losses. The bank has also conceded that it originated risky mortgage loans and made misrepresentations about the quality of those loans to Fannie Mae, Freddie Mac and the Federal Housing Administration (FHA).

Of the record-breaking $16.65 billion resolution, almost $10 billion will be paid to settle federal and state civil claims by various entities related to RMBS, CDOs and other types of fraud. Bank of America will pay a $5 billion civil penalty to settle the Justice Department claims under FIRREA. Approximately $1.8 billion will be paid to settle federal fraud claims related to the bank’s origination and sale of mortgages, $1.03 billion will be paid to settle federal and state securities claims by the Federal Deposit Insurance Corporation (FDIC), $135.84 million will be paid to settle claims by the Securities and Exchange Commission. In addition, $300 million will be paid to settle claims by the state of California, $45 million to settle claims by the state of Delaware, $200 million to settle claims by the state of Illinois, $23 million to settle claims by the Commonwealth of Kentucky, $75 million to settle claims by the state of Maryland, and $300 million to settle claims by the state of New York.

Bank of America will provide the remaining $7 billion in the form of relief to aid hundreds of thousands of consumers harmed by the financial crisis precipitated by the unlawful conduct of Bank of America, Merrill Lynch and Countrywide. That relief will take various forms, including principal reduction loan modifications that result in numerous homeowners no longer being underwater on their mortgages and finally having substantial equity in their homes. It will also include new loans to credit worthy borrowers struggling to get a loan, donations to assist communities in recovering from the financial crisis, and financing for affordable rental housing. Finally, Bank of America has agreed to place over $490 million in a tax relief fund to be used to help defray some of the tax liability that will be incurred by consumers receiving certain types of relief if Congress fails to extend the tax relief coverage of the Mortgage Forgiveness Debt Relief Act of 2007.

An independent monitor will be appointed to determine whether Bank of America is satisfying its obligations. If Bank of America fails to live up to its agreement by Aug. 31, 2018, it must pay liquidated damages in the amount of the shortfall to organizations that will use the funds for state-based Interest on Lawyers’ Trust Account (IOLTA) organizations and NeighborWorks America, a non-profit organization and leader in providing affordable housing and facilitating community development. The organizations will use the funds for foreclosure prevention and community redevelopment, legal assistance, housing counselling and neighborhood stabilization.

As part of the RMBS Working Group, the U.S. Attorney’s Office for the District of New Jersey conducted a FIRREA investigation into misrepresentations made by Merrill Lynch to investors in 72 RMBS throughout 2006 and 2007. As the statement of facts describes, Merrill Lynch regularly told investors the loans it was securitizing were made to borrowers who were likely and able to repay their debts. Merrill Lynch made these representations even though it knew, based on the due diligence it had performed on samples of the loans, that a significant number of those loans had material underwriting and compliance defects - including as many as 55 percent in a single pool. In addition, Merrill Lynch rarely reviewed the unsampled loans to ensure that the defects observed in the samples were not present throughout the remainder of the pools. Merrill Lynch also disregarded its own due diligence and securitized loans that the due diligence vendors had identified as defective. This practice led one Merrill Lynch consultant to “wonder why we have due diligence performed” if Merrill Lynch was going to securitize the loans “regardless of issues.”

“In the run-up to the financial crisis, Merrill Lynch bought more and more mortgage loans, packaged them together, and sold them off in securities – even when the bank knew a substantial number of those loans were defective,” said U.S. Attorney Paul J. Fishman for the District of New Jersey. “The failure to disclose known risks undermines investor confidence in our financial institutions. Today’s record-breaking settlement, which includes the resolution of our office’s imminent multibillion-dollar suit for FIRREA penalties, reflects the seriousness of the lapses that caused staggering losses and wider economic damage.”

This settlement also resolves the complaint filed against Bank of America in August 2013 by the U.S. Attorney’s Office for the Western District of North Carolina concerning an $850 million securitization. Bank of America acknowledges that it marketed this securitization as being backed by bank-originated “prime” mortgages that were underwritten in accordance with its underwriting guidelines. Yet, Bank of America knew that a significant number of loans in the security were “wholesale” mortgages originated through mortgage brokers and that based on its internal reporting, such loans were experiencing a marked increase in underwriting defects and a noticeable decrease in performance. Notwithstanding these red flags, the bank sold these RMBS to federally backed financial institutions without conducting any third party due diligence on the securitized loans and without disclosing key facts to investors in the offering documents filed with the SEC. A related case concerning the same securitization was filed by the SEC against Bank of America and is also being resolved as part of this settlement.

“Today’s settlement attests to the fact that fraud pervaded every level of the RMBS industry, including purportedly prime securities, which formed the basis of our filed complaint,” said U.S. Attorney Anne M. Tompkins for the Western District of North Carolina. “Even reputable institutions like Bank of America caved to the pernicious forces of greed and cut corners, putting profits ahead of their customers. As we deal with the aftermath of the financial meltdown and rebuild our economy, we will hold accountable firms that contributed to the economic crisis. Today’s settlement makes clear that my office will not sit idly while fraud occurs in our backyard.”

The U.S. Attorney’s Office for the Central District of California has been investigating the origination and securitization practices of Countrywide as part of the RMBS Working Group effort. The statement of facts describes how Countrywide typically represented to investors that it originated loans based on underwriting standards that were designed to ensure that borrowers could repay their loans, although Countrywide had information that certain borrowers had a high probability of defaulting on their loans. Countrywide also concealed from RMBS investors its use of “shadow guidelines” that permitted loans to riskier borrowers than Countrywide’s underwriting guidelines would otherwise permit. Countrywide’s origination arm was motivated by the “saleability” of loans and Countrywide was willing to originate “exception loans” (i.e., loans that fell outside of its underwriting guidelines) so long as the loans, and the attendant risk, could be sold. This led Countrywide to expand its loan offerings to include, for example, “Extreme Alt-A” loans, which one Countrywide executive described as a “hazardous product,” although Countrywide failed to tell RMBS investors that these loans were being originated outside of Countrywide’s underwriting guidelines. Countrywide knew that these exception loans were performing far worse than loans originated without exceptions, although it never disclosed this fact to investors.

“The Central District of California has taken the lead in the department’s investigation of Countrywide Financial Corporation,” said Acting U.S. Attorney Stephanie Yonekura for the Central District of California. “Countrywide’s improper securitization practices resulted in billions of dollars of losses to federally-insured financial institutions. We are pleased that this investigation has resulted in a multibillion-dollar recovery to compensate the United States for the losses caused by Countrywide’s misconduct.”

In addition to the matters relating to the securitization of toxic mortgages, today’s settlement also resolves claims arising out of misrepresentations made to government entities concerning the origination of residential mortgages.

The U.S. Attorney’s Office for the Southern District of New York, along with the Federal Housing Finance Agency’s Office of Inspector General and the Special Inspector General for the Troubled Asset Relief Program, conducted investigations into the origination of defective residential mortgage loans by Countrywide’s Consumer Markets Division and Bank of America’s Retail Lending Division as well as the fraudulent sale of such loans to the government sponsored enterprises Fannie Mae and Freddie Mac (the “GSEs”). The investigation into these practices, as well as three private whistleblower lawsuits filed under seal pursuant to the False Claims Act, are resolved in connection with this settlement. As part of the settlement, Countrywide and Bank of America have agreed to pay $1 billion to resolve their liability under the False Claims Act. The FIRREA penalty to be paid by Bank of America as part of the settlement also resolves the government’s claims against Bank of America and Countrywide under FIRREA for loans fraudulently sold to Fannie Mae and Freddie Mac. In addition, Countrywide and Bank of America made admissions concerning their conduct, including that they were aware that many of the residential mortgage loans they had made to borrowers were defective, that many of the representations and warranties they made to the GSEs about the quality of the loans were inaccurate, and that they did not self-report to the GSEs mortgage loans they had internally identified as defective.

“For years, Countrywide and Bank of America unloaded toxic mortgage loans on the government sponsored enterprises Fannie Mae and Freddie Mac with false representations that the loans were quality investments,” said U.S. Attorney Preet Bharara for the Southern District of New York. “This office has already obtained a jury verdict of fraud and a judgment for over a billion dollars against Countrywide and Bank of America for engaging in similar conduct. Now, this settlement, which requires the bank to pay another billion dollars for false statements to the GSEs, continues to send a clear message to Wall Street that mortgage fraud cannot be a cost of doing business.”

The U.S. Attorney’s Office for the Eastern District of New York, together with its partners from the Department of Housing and Urban Development (HUD), conducted a two-year investigation into whether Bank of America knowingly made loans insured by the FHA in violation of applicable underwriting guidelines. The investigation established that the bank caused the FHA to insure loans that were not eligible for FHA mortgage insurance. As a result, HUD incurred hundreds of millions of dollars of losses. Moreover, many of Bank of America’s borrowers have defaulted on their FHA mortgage loans and have either lost or are in the process of losing their homes to foreclosure.

“As a Direct Endorser of FHA insured loans, Bank of America performs a critical role in home lending,” said U.S. Attorney Loretta E. Lynch for the Eastern District of New York. “It is a gatekeeper entrusted with the authority to commit government funds earmarked for facilitating mortgage lending to first-time and low-income homebuyers, senior citizen homeowners and others seeking or owning homes throughout the nation, including many who live in the Eastern District of New York. In obtaining a payment of $800 million and sweeping relief for troubled homeowners, we have not just secured a meaningful remedy for the bank’s conduct, but have sent a powerful message of deterrence.”

“Bank of America failed to make accurate and complete disclosure to investors and its illegal conduct kept investors in the dark,” said Rhea Kemble Dignam, Regional Director of the SEC’s Atlanta Office. “Requiring an admission of wrongdoing as part of Bank of America’s agreement to resolve the SEC charges filed today provides an additional level of accountability for its violation of the federal securities laws.”

“Today’s settlement with Bank of America is another important step in the Obama Administration’s efforts to provide relief to American homeowners who were hurt during the housing crisis,” said U.S. Department of Housing and Urban Development (HUD) Secretary Julián Castro. “This global settlement will strengthen the FHA fund and Ginnie Mae, and it will provide $7 billion in consumer relief with a focus on helping borrowers in areas that were the hardest hit during the crisis. HUD will continue working with the Department of Justice, state attorneys general, and other partners to take appropriate action to hold financial institutions accountable and provide consumers with the relief they need to stay in their homes. HUD remains committed to solidifying the housing recovery and creating more opportunities for Americans to succeed.”

“Bank of America and the banks it bought securitized billions of dollars of defective mortgages,” said Acting Inspector General Michael P. Stephens of the FHFA-OIG. “Investors, including Fannie Mae and Freddie Mac, suffered enormous losses by purchasing RMBS from Bank of America, Countrywide and Merrill Lynch not knowing about those defects. Today’s settlement is a significant, but by no means final step by FHFA-OIG and its law enforcement partners to hold accountable those who committed acts of fraud and deceit.”

The attorneys general of California, Delaware, Illinois, Kentucky, Maryland and New York also conducted related investigations that were critical to bringing about this settlement. In addition, the settlement resolves investigations conducted by the Securities and Exchange Commission (SEC) and litigation filed by the Federal Deposit Insurance Company (FDIC).

The RMBS Working Group is a federal and state law enforcement effort focused on investigating fraud and abuse in the RMBS market that helped lead to the 2008 financial crisis. The RMBS Working Group brings together more than 200 attorneys, investigators, analysts and staff from dozens of state and federal agencies including the Department of Justice, 10 U.S. Attorneys’ Offices, the FBI, the Securities and Exchange Commission (SEC), the Department of Housing and Urban Development (HUD), HUD’s Office of Inspector General, the FHFA-OIG, the Office of the Special Inspector General for the Troubled Asset Relief Program, the Federal Reserve Board’s Office of Inspector General, the Recovery Accountability and Transparency Board, the Financial Crimes Enforcement Network, and more than 10 state attorneys general offices around the country.

The RMBS Working Group is led by Director Geoffrey Graber and five co-chairs: Assistant Attorney General for the Civil Division Stuart Delery, Assistant Attorney General for the Criminal Division Leslie Caldwell, Director of the SEC’s Division of Enforcement Andrew Ceresney, U.S. Attorney for the District of Colorado John Walsh and New York Attorney General Eric Schneiderman.

Investigations were led by Assistant U.S. Attorneys Leticia Vandehaar of the District of New Jersey; Dan Ryan and Mark Odulio of the Western District of North Carolina; George Cardona and Lee Weidman of the Central District of Carolina; Richard Hayes and Kenneth Abell of the Eastern District of New York; and Pierre Armand and Jaimie Nawaday of the Southern District of New York.

Learn more about the RMBS Working Group and the Financial Fraud Enforcement Task Force at: www.stopfraud.gov

Related Materials:

Settlement Agreement
Annex 1 - Statement of Facts
Annex 2 - Consumer Relief
Annex 2 - Exhibit 1 - Loan List
Annex 2 - Exhibit 2 - Model VA Agreement
Annex 3 - Tax Fund
Annex 4 - Transaction List
Exhibit A--FDIC
Exhibit B - SEC Bank of America Settlement Documents

Источник: https://www.justice.gov/opa/pr/bank-america-pay-1665-billion-historic-justice-department-settlement-financial-fraud-leading

Bank of America Corporate Office

They should stop this scam.

Mr.Brian Moynihan

Nov 23 at 10:52 PM

Message body

Bank of America Corporate Office Headquarters
100 N.Tryon St Charlotte,NC 28255
Our Ref:BOA/IRU/SFE/15.5/WD/011
United States of America
Monday-Friday
8 a.m.-9 p.m. Eastern Daylight Time(EDT)
Saturday and Sunday
8 a.m.-4 p.m. Eastern Daylight Time(EDT)
Customer service: (917) 503-1508

Dear esteemed customer,

The Management of the Bank of America Corporate Office Headquarters
here in 100 N.Tryon St Charlotte,NC 28255 wishes to inform you that
after a brief meeting held by the Bank executives yesterday,the 6
Day of NOV,2015 at precisely 8 a.m. Eastern Daylight Time(EDT),
we deem it appropriate to intimate you that your funds will be
transferred into the United States Treasury Account with the JP Morgan
Chase Headquarters at 270 Park Avenue in New York according to the
record we got from Africa due to your inability to complete the
transaction and your failure to meet up with a minor payment
obligation.The actual transfer of your funds($15,500,000.00) into the
government account comes up next week.

This is in line with the instructions of the USA Treasurer,Mrs.Rosa
Gumataotao Rios that all unclaimed funds be paid into the United
States Government Treasury Account as unserviceable funds in
compliance to section 3 subsection 1(a) of the United States Financial
Law enacted in 2001 after an attack on our dear country on September
11,2001.

Find below the profile of the banking institution where your funds
will be transferred into following the government directive:, And note
to responds to us with below

Name of Bank: JP Morgan Chase Headquarters at 270 Park Avenue in New York.
JP Morgan Chase Official Bankers for the United States Treasury Department
AC NO: 68302345093
Routing NO:021109593
Account Name:United States Treasury Department,USA

Note that if you still wish to receive your funds do get back to us
immediately so that we will remove your funds transfer from the list
of those transactions to be seized by the United States
Government.Also be informed that we need only a DIPLOMATIC IMMUNITY
SEAL OF TRANSFER(DIST) to complete the wire transfer.The fee to obtain
the SEAL was reduced from$600 to $100 and no other fee is involved.

You are required to send the fee of $100 by WESTERN UNION or MONEY
GRAM to the issuing officer at the bank where your transaction
originated as stated below:

INFORMATION

Receivers Name: MIKE ONWA
Country :Benin Republic
City: Cotonou
TEXT QUESTION——-ONE?
TEXT ANSWER———LOVE.
AMOUNT to send: $100
Sender’s name:
MTCN or REFERENCE Number Email the following: To ([email protected])

The name of the city from where the money was sent
If we receive the MTCN today,we will transfer your funds
($15,500,000.00) before we close office and the funds will reflect 3
hours after the transfer.We will send you all the transfer doXXXXents
to enable you start making cash withdrawals from your account same day
the funds are transferred.We have waited for so long and we cannot
continue to wait.

Thank you for giving us the opportunity to serve your banking needs.

Yours faithfully,
Mr.Brian Moynihan(CEO) Bank of America®Email ([email protected])
Tel (917) 503-1508Corporate Office Headquarters,Charlotte,N.C.Bank of America, N.A. Member FDIC.
© 2011 Bank of America Corporation. All rights reserved.AR72768/DD6A66

Источник: https://corporateofficehq.com/bank-of-america-corporate-office/

Black-Owned Banks by State

Ever since the founding of the Bank of North America in 1781, banking has played a critical role in facilitating the American Dream. These institutions provide indispensable monetary services, ranging from accepting deposits to offering loans. Credit is king in the United States, and without high-quality financial institutions, countless Americans would struggle to acquire vehicles, housing, and other essential items.

However, like pretty much all of the nation’s older institutions, banks have also played a significant part in America’s racist past. Racial discrimination in the banking industry and financial system has targeted African Americans, and challenges ending discrimination persist today. Black-owned banks arose as an alternative to larger institutions to provide greater access to banking services as well as an opportunity to support local communities.

According to the Federal Deposit Insurance Corporation, a Minority Depository Institution (MDI) is “...a federal insured depository institution for which (1) 51 percent or more of the voting stock is owned by minority individuals; or (2) a majority of the board of directors is minority and the community that the institution serves is predominantly minority. Ownership must be by U.S. citizens or permanent legal U.S. residents to be counted in determining minority ownership.” Of the 22 Black-owned banks featured in this article, two fall into the latter category.

For the purposes of this article, Black-owned and managed credit unions that serve the Black community have been included to provide the most complete picture of America’s Black financial institutions. The article uses the term “Black-owned” in this broad sense, recognizing that stockholders own for-profit banks and members own credit unions.

Key Takeaways

  • Today—including credit unions—there are 44 Black-owned financial institutions in the United States. Taken together, they have approximately $6.82 billion in assets in total.
  • Black-owned banks provide customers not just access to the financial resources they need, but the chance to invest in the financial health and well-being of their community.
  • Black-owned banks also play a critical role in fighting modern-day systemic racism in the financial sector.
  • Critics of Black-owned for-profit banks have posited that true financial justice requires institutions, such as not-for-profit credit unions, that are separate from a financial system rooted in racism and exploitation.
  • Of the 44 Black-owned financial institutions in the country, 22 are not-for-profit credit unions.

Background and History of Black-Owned Banks

Black-owned banks didn’t exist until more than a century after the Bank of North America first opened its doors. Prior to the chartering of the first Black-owned bank in 1888, Congress and President Lincoln established the Freedman’s Savings Bank in 1865. As part of the Freedman’s Bureau, this institution was designed to help newly freed African Americans navigate the U.S. financial system.

Despite Congress voting to close the Freedman’s Bureau in 1872, the bank continued to operate. In 1874, Frederick Douglass took over as the bank’s D.C. branch director, and he found the place to be rife with corruption and risky investments. Despite Douglass investing $10,000 of his own money in the bank in an attempt to save it, Freedman’s Savings went bankrupt later that same year. Although the Freedman’s Savings Bank doesn’t fit the modern criteria of a Black-owned bank, it represents a critical first step.

The first officially chartered Black-owned bank, the True Reformers Bank, was founded on March 2, 1888, by the Rev. William Washington Browne. A former slave and Union Army officer, Browne was founder of the Grand Fountain United Order of True Reformers fraternal organization. The True Reformers Bank came about when Browne and his organization faced financial hardships while trying to establish a new branch in Virginia. Unable to manage the order’s money without arousing suspicion from paranoid and prejudiced locals, Browne founded the True Reformers Bank so that the organization’s finances would be free of scrutiny from white people.

The bank opened its doors in 1889 and went from a small operation in Browne’s house to an institution strong enough to survive the financial panic of 1893. Although the True Reformers Bank continued to operate after Browne’s death in 1897, problems were beginning to develop by 1900. Under its new president, the Rev. William Lee Taylor, branches were poorly regulated, unsecured loans were made, and an embezzlement scandal cost most account holders their savings. By 1910, the State Corporation Commission had ordered the bank to be closed.

As the story of the True Reformers Bank was playing out, other Black-owned banks were also getting their start in the U.S. The Capitol Savings Bank of Washington, D.C., opened its doors on Oct. 17, 1888, roughly six months before the True Reformers Bank. Capitol Savings also managed to survive the financial panic of 1893, though it later closed in 1902.

Between 1888 and 1934, more than 134 Black-owned financial institutions were founded, predominantly located in Southern states. Their numbers dwindled during the Great Depression, leaving nine by 1930. It wasn’t until the civil rights movement that a resurgence took place, raising their numbers to 50 by 1976.

By 1988, the savings and loan crisis had wiped out 35 Black-owned banks. The start of the most recent decline came in 2001, during the early 2000s recession, which rapidly accelerated once the Great Recession began. There are 44 Black-owned financial institutions, including credit unions, left today.

“You can’t separate Black history from American history,” says Tyrone Ross, community director of Altruist, a software platform provider for financial advisors. “We’ve always been well adept and versed in financial education and the ability to be entrepreneurs. It’s just been stripped from us. So it’s OK to write these articles—or have panels or whatever—but let’s start with the history first so people go, ‘Oh, crap. It really was stripped from them, and they’re just trying to get it back.’”

Modern-Day Discrimination

In 2016, the net worth of a white family was nearly 10 times higher on average than that of a Black family. This is a result of inequality, discrimination, racism, and differences in power and opportunity compounding throughout America’s history. It also is why the diminishing number of Black-owned banks is especially of concern, given the role these institutions play in fighting modern-day systemic racism in the financial sector.

Consider redlining. This unethical and now illegal practice is used to block off access to important services for residents of certain neighborhoods based on their race or ethnicity. The Civil Rights Act of 1964, which prohibits discrimination on the basis of race, color, religion, sex, and national origin, was a start. And yet, although the Fair Housing Act of 1968 and the Community Reinvestment Act (CRA) of 1977 were both intended to eliminate redlining, this kind of discrimination is still seen today.

For instance, 68.1% of loans made between 2012 and 2018 for housing purchases in Chicago went to predominantly white areas; 8.1% went to predominantly Black areas. Banks also lent more money to predominantly white neighborhoods than they did to every predominantly Black neighborhood combined. This disparity is even starker when looking at individual lenders, with JPMorgan Chase lending 41 times more money in white neighborhoods than Black ones.

Chicago is far from the only place where redlining occurs. In 2018, people of color in 61 cities were more likely to be denied home loans than white residents. And if homeowners aren’t moving into—and investing in—a neighborhood, it means capital isn’t flowing into the community, which leads to poverty and crime having an inescapable presence in the area.

“One in five Black Americans now is unbanked. When you look at our poverty rates, our lack of ownership, lack of home ownership, that all goes back to economic empowerment,” Ross explains. “Economic empowerment starts with banking.”

The Importance of Black-Owned Banks

To understand why Black-owned banks matter, it’s critical to recognize the role banks play in financial life. A common service banks provide is access to a checking account, allowing for the safe storage of an individual’s funds, typically in exchange for a minimal fee. In addition to accepting monetary deposits, banks also furnish loans for both individuals and businesses looking to finance crucial purchases. Banks also offer mortgages for real estate purchases. Many banks issue credit cards, which are valuable tools for building the credit history necessary to receive most loans.

Outside of providing financial services, a number of banks have also launched programs on financial literacy for low- and moderate-income communities. It’s difficult, if not impossible, to imagine thriving in the modern economy without taking advantage of the aid that a bank can provide. And if access to these types of services is constantly denied to certain groups, it’s easy to see how these groups may face more financial difficulties than others.

Black-owned banks offer an alternative for residents who have been consistently discriminated against by other financial institutions. They have typically provided more money to borrowers living in low- and moderate-income (LMI) census tracts in the last 14 years than other banks. Black-owned banks are also more willing to tolerate higher levels of risk than alternative institutions. Our research found that in 2016, 67% of mortgages made by Black-owned banks were either FHA mortgages—which typically serve riskier borrowers—or mortgages held “in portfolio,” meaning they are liable to the risk of the borrower defaulting.

Additionally, Black-owned banks tend to focus their lending on small businesses, nonprofits, and Black homebuyers. As of 2018, all Black-owned banks are community banks; these institutions are dedicated to supporting the economies of the communities in which they serve. Even during difficult times, Black-owned banks have stuck by their customers. During the 2007–2008 financial crisis, despite a 69% drop in all mortgage lending to Black borrowers, the number of mortgages that Black-owned banks provided rose 57%.

“So there’s lack of lending, there’s lack of funding, there’s lack of access to the ability to acquire assets and build wealth,” says Ross. “The Black community has for years been afraid of banking with traditional institutions. A lot of them live in banking deserts where there are no banks, which is also why you have credit unions, check cashing places, and payday loans.”

Without Black-owned banks, countless vulnerable consumers could be forced to rely on high-interest loans from pawn shops and payday lenders for their financing. What’s more, Black-owned banks provide customers not just access to the financial resources they need, but the chance to invest in the financial health and wellbeing of their community and fellow Americans.

“I think we have a responsibility now to realize that—if you really want to be grassroots, and you really want to help Black Americans—get that money in Black banks and then have those Black banks fund the people,” Ross says.

Other Alternatives for Community Funding

Not everyone sees Black-owned, for-profit banks as the solution. Critics argue that true financial justice requires institutions that are entirely separate from a financial system rooted in racism and exploitation.

“I’ve been very critical of for-profit Black banks and the capitalist logic that governs them,” says Prof. Guy Mount, assistant professor of African American history at Auburn University. “In my opinion, member-owned credit unions and nonprofit co-ops are the way forward for Black communities hoping to not only survive within capitalism, but build a viable Black economic alternative to it.” In fact, that choice is currently available to consumers. Of the 44 Black-owned financial institutions in the U.S.—all listed below—21 are credit unions.

Other critics have taken this concept even further. In The Color of Money: Black Banks and the Racial Wealth Gap, Mehrsa Baradaran, professor of law at the University of California Irvine School of Law, posits that those in power have pushed the idea of Black-owned banks as a diversionary tactic whenever the African American community demanded more direct solutions to the racial wealth gap. For instance, although the Freedman’s Bank remains a critical facet of Black history, the Freedman’s Bureau originally proposed providing newly freed slaves with an allotment of land—they received a bank instead.

More recently, when civil rights leaders began calling for a redistribution of wealth, President Richard Nixon co-opted the rhetoric of that same movement to create a civil rights platform centered around “Black capitalism.” He wasn’t the only president to support the idea of banking over financial support. President Bill Clinton introduced legislation with the aim of promoting “community empowerment” via banking. Across party lines, Presidents George W. Bush and Barack Obama supported and upheld Clinton’s infrastructure. Former President Donald Trump had also made similar promises during his time in office.

Baradaran further argues that—as it is nearly impossible for a segregated community to keep its wealth entirely self-contained—Black-owned banks may actually facilitate the flow of money out of African American communities and into the white economy.

Prof. Mount sees it the same way, “By emerging themselves within a white-governed capitalist marketplace, Black banks are facilitating the very extraction of wealth from the communities they purport to serve,” he says.

Black-Owned Banks: State-by-State Breakdown

While the number of Black-owned financial institutions may have declined from their peak, they cumulatively have a not-insignificant presence. According to Bank Black USA, historical Black-owned bank assets have totaled over $7.6 billion. As of Feb. 4, 2021, the 41 Black-owned banks and credit unions in the U.S. have approximately $6.82 billion in assets. And although 28 states have no Black-owned financial institutions within their borders, several organizations have a presence across the U.S. because of their partnerships with major ATM networks. Additionally, of the 41 Black-owned financial institutions in the country, half are not-for-profit credit unions.

The majority of Black-owned institutions offer both traditional brick-and-mortar branches and online/mobile services. Even OneUnited Bank, originally an Internet-only bank, now has multiple physical locations across the U.S. Ensuring online accessibility is a smart move considering that, in 2017, approximately 17.7% of African-American consumers were more likely to use mobile banking as their primary method of accessing their accounts. Currently, Columbia Savings and Loan is the sole institution without any online or mobile banking services.

Below: a list of Black-owned banks and credit unions in the U.S., in alphabetical order.

1st Choice Credit Union

Founded in 1946, the Hospital Authority Credit Union was created to provide financial services to employees of Grady Hospital. In 1991, the organization became known as 1st Choice Credit Union.

  • Branches: Auburn Avenue Administrative Office (Atlanta, Ga.) and Grady Memorial Hospital (Atlanta, Ga.)
  • ATMs: Crestview Health & Rehabilitation Center (Atlanta, Ga.) and Ponce De Leon Center (Atlanta, Ga.)
  • States: Georgia
  • Services: Personal and business checking and savings, in addition to loans (personal, mortgage, etc.)
  • Assets: $30.77 million
  • Availability: Brick-and-mortar and online

Alamerica Bank

Alamerica Bank was originally organized by a group of prominent Birmingham, Ala., community leaders on Jan. 28, 2000. Alamerica achieved operational profitability after six months of operation.

  • Branches: The Alamerica Bank Building (Birmingham, Ala.)
  • ATMs: N/A
  • States: Alabama
  • Services: Deposit services (business and personal accounts), loan services (commercial and personal loans), Internet banking, image statements, and MasterMoney debit cards
  • Assets: $15.36 million
  • Availability: Brick-and-mortar and online

Broadway Federal Bank

The Broadway Federal Bank is a subsidiary of Broadway Financial Corporation, a bank holding company located in Los Angeles, Calif. Formerly known as the Broadway Federal Savings and Loan Association, founded in 1946, the original building was destroyed by a fire on April 30, 1992. In December 1995, the organization was converted from a federally chartered mutual savings association to a federally chartered stock savings bank, hence the new name.

  • Branches: Mid-Wilshire Branch (Los Angeles, Calif.), Inglewood Branch (Inglewood, Calif.), and Exposition Park Branch (Los Angeles, Calif.)
  • ATMs: Part of the MoneyPass network
  • States: California
  • Services: Personal and business accounts, credit cards, and loan products
  • Assets: $497.03 million
  • Availability: Brick-and-mortar and online

Brookland Federal Credit Union

Founded in 1999, the Brookland Federal Credit Union is a not-for-profit financial cooperative that provides financial services to members of Brookland Baptist Church and their immediate family members. If you join Brookland Federal, you and your family have a lifetime membership.

  • Branches: Brookland Federal Credit Union (West Columbia, S.C.)
  • ATMs: N/A
  • States: South Carolina
  • Services: Savings, checking, loans, and other services (financial literacy, guaranteed auto protection, etc.)
  • Assets: $3.40 million
  • Availability: Brick-and-mortar and online

Carver Federal Savings Bank

The Carver Federal Savings Bank was founded in 1948 to serve African American communities with limited access to mainstream financial services. The majority of its branches and ATMs are located in low- to moderate-income neighborhoods. Carver Federal Savings Bank is one of the two banks that are considered “Black-operated” instead of Black-owned.

  • Branches: Atlantic Terminal Branch (Brooklyn, N.Y.), Bedford-Stuyvesant — Restoration Plaza Branch (Brooklyn, N.Y.), Crown Heights Branch (Brooklyn, N.Y.), Flatbush Branch (Brooklyn, N.Y.), and St Albans Branch (Jamaica, N.Y.), 125th Street Branch (New York City, N.Y.), and Malcolm X Boulevard Branch (New York City, N.Y.)
  • ATMs: Malcolm X Boulevard Branch (Brooklyn, N.Y.) and 125th Street Branch (New York City, N.Y.)
  • States: New York
  • Services: Personal and business banking, loans, and community cash
  • Assets: $673.05 million
  • Availability: Brick-and-mortar and online

Carver State Bank

Established on Feb. 23, 1927, the Georgia Savings and Realty Corporation was a small, private bank as well as a real estate investment and management company. In 1947, the original institution was converted to a state bank and became known as the Carver Savings Bank. By 1962, Carver had become a full-service commercial bank, thus its name was changed once more to the Carver State Bank.

  • Branches: Main Office (Savannah, Ga.) and Skidaway Branch (Savannah, Ga.)
  • ATMs: Main Office (Savannah, Ga.), Skidaway Branch (Savannah, Ga.), and Hilton Head International Airport (Savannah, Ga.)
  • States: Georgia
  • Services: Personal accounts (checking and savings), business accounts, loans, development programs, and other services (cashier’s checks, money orders, etc.)
  • Assets: $48.39 million
  • Availability: Brick-and-mortar and online

Citizens Bank

In 1904, the One Cent Savings Bank became the first minority-owned bank in Tennessee. The institution’s name was changed to the Citizens Savings Bank & Trust Co. in 1920. Citizens Bank is the oldest, continuously operating Black-owned bank in the U.S.

  • Branches: Memphis Winchester Road Branch (Memphis, Tenn.) and Main Office (Nashville, Tenn.)
  • ATMs: Main Office (Nashville, Tenn.)
  • States: Tennessee
  • Services: Personal and business banking (checking and savings), credit cards, and loans (personal, business, etc.)
  • Assets: $100 million
  • Availability: Brick-and-mortar and online

Citizens Trust Bank

In 1921, the Citizens Trust Bank was created to serve the African American citizens of Atlanta. Today, the bank plays an active role in providing sponsorship support for multiple community organizations.

  • Branches: Birmingham (Birmingham, Ala.), Eutaw Branch (Eutaw, Ala.), Cascade Branch (Atlanta, Ga.), Corporate Headquarters (Atlanta, Ga.), Westside Branch (Atlanta, Ga.), East Point Branch (East Point, Ga.), and Rockbridge Branch (Stone Mountain, Ga.)
  • ATMs: Castleberry Inn ATM (Atlanta, Ga.), Westside ATM (Atlanta, Ga.), South Dekalb Mall ATM (Decatur, Ga.), Lithonia ATM (Lithonia, Ga.), Rockbridge Plaza ATM (Stone Mountain, Ga.), Stone Mountain ATM (Stone Mountain, Ga.), and Panola ATM (Stonecrest, Ga.)
  • States: Alabama and Georgia
  • Services: Banking (savings, checking, etc.) and borrowing (loans, credit cards, etc.) services 
  • Assets: $536.65 million
  • Availability: Online and brick-and-mortar

Columbia Savings & Loan

Columbia Savings & Loan has served Milwaukee’s inner city, particularly its minority population, since 1924.

  • Branches: Columbia Savings & Loan Association (Milwaukee, Wis.)
  • ATMs: N/A
  • States: Wisconsin
  • Services: Mortgages, church loans, and CDs/IRAs
  • Assets: $24.41 million
  • Availability: Brick-and-mortar only

Commonwealth National Bank

Founded in 1976, the Commonwealth National Bank is a full-service nationally chartered commercial institution. Commonwealth is the sole bank headquartered in Mobile, out of the 45 banks doing business there. In addition to being the only Minority Depository Institution (MDI) in Mobile, it is one of two in Alabama.

  • Branches: Main Office Branch (Mobile, Ala.) and Crichton Branch (Mobile, Ala.)
  • ATMs: Main Office Branch (Mobile, Ala.), Crichton Branch (Mobile, Ala.), any Publix Super Market ATM, and any PNC Bank ATM
  • States: Alabama
  • Services: Consumer and business services, in addition to loans
  • Assets: $55.06 million
  • Availability: Brick-and-mortar and online

Community Owned Federal Credit Union

In 1966, the Community Owned Federal Credit Union was founded to provide low-income communities in Johns Island and part of Charleston with financial services typically denied to them by mainstream institutions. Membership has since grown to include the entire Charleston area.

  • Branches: Community Owned Federal Credit Union (Charleston, S.C.)
  • ATMs: N/A
  • States: South Carolina
  • Services: Primary savings account, loans, and other services (direct and payroll deposit, in addition to credit workshops)
  • Assets: $6.54 million
  • Availability: Brick-and-mortar and online

Credit Union of Atlanta

Founded in 1928, the Credit Union of Atlanta remained stable and secure throughout the Great Depression. Any profits earned are used to secure better rates for the institution’s members.

  • Branches: Main Office (Atlanta, Ga.) and Pryor Street Lending Center (Atlanta, Ga.)
  • ATMs: Atlanta Detention Center (Atlanta, Ga.), Atlanta Public Safety Annex (Atlanta, Ga.), Credit Union of Atlanta (Atlanta, Ga.), and Pryor Street Lending Center (Atlanta, Ga.), in addition to any ATMs in the MoneyPass and STAR networks
  • States: Georgia
  • Services: Personal savings and checking, business checking, credit builder and personal loans, and payment protection
  • Assets: $77.91 million
  • Availability: Brick-and-mortar and online

Faith Community United Credit Union

Originally chartered in 1952 as Second Mount Sinai Baptist Church Credit Union, Faith Community United Credit Union became a Community Development Credit Union (CDCU) in 1991. Faith is one of the largest minority-owned Credit Unions in Ohio, and it is available to anyone who lives, works, worships, or attend school in Cuyahoga County as well as their family, business, and organization. Membership is also possible through a Select Employee Group (SEG).

  • Branches: Faith Community United Credit Union (Cleveland, Ohio)
  • ATMs: N/A
  • States: Ohio
  • Services: Deposit services, loan services, insurance, and other services
  • Assets: $18.01 million
  • Availability: Brick-and-mortar and online

Faith Cooperative Credit Union

The story of the Faith Cooperative Credit Union is a tale of two different organizations. St. John Federal Credit Union was founded in 1959. It became known as the Faith Cooperative Credit Union after it was integrated with the Friendship-West Baptist Church’s vision of a microloan bank.

  • Branches: Administrative Offices (Dallas, Texas)
  • ATMs: One located “near the Banquet Hall”
  • States: Texas
  • Services: Savings, loans, and gap protection
  • Assets: $1.67 million
  • Availability: Brick-and-mortar and online

FAMU Federal Credit Union

On May 8, 1935, six individuals were convinced to deposit $50 to acquire a federal credit union charter, resulting in the founding of the Florida A&M College Employees Federal Credit Union. By 1953, the organization renamed to Florida A&M University Federal Credit Union due to its location on the FAMU campus.

  • Branches: Office (Tallahassee, Fla.)
  • ATMs: One located in the “first drive-thru lane”as well asany ATMs that are part of the American Express, CULIANCE, The Exchange, Honors, Member Access, Plus, Presto, Publix, Walmart, and “other Credit Unions with the participating listed networks”
  • States: Florida
  • Services: Accounts (checking, savings, IRA), Rattler debit and VISA credit cards, loans, wire transfers, and other services (notary services, bill payments, etc.)
  • Assets: $22.85 million
  • Availability: Brick-and-mortar and online

First Independence Bank

In business since May 11, 1970, the First Independence Bank has served the Detroit Metropolitan area for 50 years. First Independence is the sole African American‐owned bank headquartered in Michigan, in addition to being one of two banks headquartered in Detroit.

  • Branches: Clinton Township Branch (Clinton Township, Mich.), Main Office Branch (Detroit, Mich.), and Seven Mile Branch (Detroit, Mich.)
  • ATMs: Garfield Branch (Clinton Township, Mich.), 1st Floor International Building (Detroit, Mich.), City County Building (Detroit, Mich.), Livernois (Detroit, Mich.), and Main Office Branch (Detroit, Mich.), Seven Mile Branch (Detroit, Mich.), in addition to “any nationwide ... Fifth Third, TCF, or Chemical Bank ATM ... in the Metro Detroit area”
  • States: Michigan
  • Services: Consumer and business services, in addition to loans
  • Assets: $290.57 million
  • Availability: Brick-and-mortar and online

First Legacy Community Credit Union

The School Workers Federal Credit Union was founded by a group of educators in Feb. 14, 1941. On Jan. 1, 2020, First Legacy Community Credit Union merged with the Self-Help Federal Credit Union and now operates as a division of Self-Help.

  • Branches: First Legacy Community Credit Union (Charlotte, N.C.)
  • ATMs: Part of the CO-OP/Covera ATM network
  • States: North Carolina
  • Services: Checking, savings, loans, and other services
  • Assets: $29.33 million
  • Availability: Brick-and-mortar and online

First Security Bank

The Security Trust and Savings Bank first opened for business in 1903. Twenty-six years later, it merged with the First National Bank of Charles City, creating the First Security Bank & Trust.

  • Branches: Aredale (Aredale, Iowa), Charles City Branch (Charles City, Iowa), Dumont Branch (Dumont, Iowa), Hampton Branch (Hampton, Iowa), Ionia Branch (Ionia, Iowa), Manly Branch (Manly, Iowa), Marble Rock Branch (Marble Rock, Iowa), Nora Springs Branch (Nora Springs, Iowa), Riceville Branch (Riceville, Iowa), Rockford Branch (Rockford, Iowa), Rockwell Branch (Rockwell, Iowa), Rudd Branch (Rudd, Iowa), and Thornton Branch (Thornton, Iowa)
  • ATMs: Charles City Branch (Charles City, Iowa), Manly Branch (Manly, Iowa), Marble Rock Branch (Marble Rock, Iowa), Nora Springs Branch (Nora Springs, Iowa), Riceville Branch (Riceville, Iowa), Rockford Branch (Rockford, Iowa), Rockwell Branch (Rockwell, Iowa), and Thornton Branch (Thornton, Iowa)
  • States: Iowa
  • Services: Personal (checking, savings, etc.), business (checking, savings, etc.), and lending (personal and auto loans, mortgage and home equity, etc.)
  • Assets: $564.98 million
  • Availability: Brick-and-mortar and online

GN Bank

In 1934—after working closely with the Federal Home Loan Bank of Chicago—13 African American men founded Illinois Service Federal to provide a savings and loan association for Black Chicagoans. The institution was acquired by Groupe Ndoum in 2016, which led to its name change to GN Bank in 2018.

  • Branches: Main Branch (Chicago, Ill.) and Chatham Office (Chicago, Ill.)
  • ATMs: Main Branch (Chicago, Ill.) and Chatham Office (Chicago, Ill.), in addition to any ATMs in the STAR network
  • States: Illinois
  • Services: Personal (checking, savings, and credit cards) and small business services (checking, lending, credit cards)
  • Assets: $133 million
  • Availability: Brick-and-mortar and online

Greater Kinston Credit Union

The Greater Kinston Credit Union was founded in 1952 and provides a variety of loans and deposit accounts. People who live, work, worship, or attend functions in Lenoir, Greene, Jones, Craven, and Pitt counties are eligible for membership.

  • Branches: Branch Office (Kinston, N.C.)
  • ATMs: Part of the CashPoints network
  • States: North Carolina
  • Services: Debit and credit cards; deposit (checking, savings, etc.), nonprofit, and youth accounts; mortgage and personal lending; and other services (automated services, branch services, etc.)
  • Assets: $12.91 million
  • Availability: Brick-and-mortar and online

Hill District Federal Credit Union

The Hill District Federal Credit Union got its start in 1970 and has provided financial services to its members for 50 years. People who live, work, or worship in the Hill District—as well as members of an organization that provides economic assistance in the same area—are eligible to join this institution.

  • Branches: Hill District Federal Credit Union (Pittsburgh, Pa.)
  • ATMs: N/A
  • States: Pennsylvania
  • Services: Debit and gift cards, savings, checking, loans, other services (money orders, financial literacy classes, etc.)
  • Assets: $7.79 million
  • Availability: Brick-and-mortar and online

Hope Credit Union

In 1995, members of the Anderson United Methodist Church organized the Hope Federal Credit Union to help low-income Jackson, Miss., residents with asset development, cooperation, and self-empowerment. Hope has since spread across the Deep South through its sponsors and by merging with other financial organizations, with the most recent being the Tri-Rivers Federal Credit Union in 2007. In June 2020, Netflix invested $10 million into Hope as part of its $100 million initiative to support economic opportunities for Black communities.

  • Branches: ArbaStreet Branch (Montgomery, Ala.), McGehee Road Branch (Montgomery, Ala.), College Station Branch (College Station, Ark.), Little Rock Branch (Little Rock, Ark.), Pine Bluff Branch (Pine Bluff, Ark.), West Memphis Branch (West Memphis, Ark.), Central City Branch (New Orleans, La.), Elysian Fields Branch (New Orleans, La.), Michoud Assembly Facility Branch (New Orleans, La.), Mississippi Coast Branch (Biloxi, Miss.), Drew Branch (Drew, Miss.), Greenville Branch (Greenville, Miss.), Itta Bena Branch (Itta Bena, Miss.), Medical Mall Branch (Jackson, Miss.), University Boulevard Branch (Jackson, Miss.), Louisville Branch (Louisville, Miss.), Macon Branch (Macon, Miss.), Moorhead Branch (Moorhead, Miss.), Robinsonville Branch (Robinsonville, Miss.), Shaw Branch (Shaw, Miss.), Terry MS Branch (Terry, Miss.), Utica Branch (Utica, Miss.), West Point Branch (West Point, Miss.), Jackson Branch (Jackson, Tenn.), Crosstown Branch (Memphis, Tenn.), Harvester Lane Branch (Memphis, Tenn.), Madison Avenue Branch (Memphis, Tenn.), and Ridgeway Branch (Memphis, Tenn.), in addition to any credit unions in the Shared Branching network.
  • ATMs: Pine Bluff Branch (Pine Bluff, Ark.), West Memphis Branch (West Memphis, Ark.), Central City Branch (New Orleans, La.), Elysian Fields Branch (New Orleans, La.), Mississippi Coast Branch (Biloxi, Miss.), Drew Branch (Drew, Miss.), Greenville Branch (Greenville, Miss.), Medical Mall Branch (Jackson, Miss.), University Boulevard Branch (Jackson, Miss.), Robinsonville Branch (Robinsonville, Miss.), Shaw Branch (Shaw, Miss.), Terry MS Branch (Terry, Miss.), Jackson Branch (Jackson, Tenn.), Harvester Lane Branch (Memphis, Tenn.), Madison Avenue Branch (Memphis, Tenn.), and Ridgeway Branch (Memphis, Tenn.)
  • States: Alabama, Arkansas, Louisiana, Mississippi, and Tennessee
  • Services: Personal (checking and wealth-building accounts, personal loans, credit cards, etc.) and business (checking and loans) banking, in addition to transformational deposits
  • Assets: $361.29 million
  • Availability: Brick-and-mortar and online

Howard University Employees Federal Credit Union

Originally chartered on Oct. 11, 1935, the Howard University Employees Federal Credit Union provides financial services to employees of Howard University and their family members. Those who join Howard University Employees FCU have a lifetime membership.

  • Branches: C B Powell Building (Washington, D.C.)
  • ATMs: Part of the CO-OP and CU Here networks
  • Locations: Washington, D.C.
  • Services: Accounts (savings, checking, etc.) and loans
  • Assets: $10 million
  • Availability: Brick-and-mortar and online (home loans only)

Industrial Bank

Industrial Bank first opened on Aug. 20, 1934, and is one of the larger Black-owned banks in the U.S. In addition to a wide variety of financial services, Industrial Bank also offers free financial education programs.

  • Branches: Harlem Banking Center (New York City, N.Y.), Bergen Street Banking Center (Newark, N.J.), Halsey Street Banking Center (Newark, N.J.), Anacostia Gateway Banking Center (Washington, D.C.), F Street Banking Center (Washington, D.C.), Forestville Banking Center (Washington, D.C.), Georgia Avenue Banking Center (Washington, D.C.), J.H. Mitchell Banking Center (Washington, D.C.), Oxon Hill Banking Center (Washington, D.C.), and U Street Banking Center (Washington, D.C.)
  • ATMs: Harlem Office (New York City, N.Y.), Bergen Street Office (Newark, N.J.), Halsey Street Office (Newark, N.J.), Anacostia Gateway Office (Washington, D.C.), Ben’s Chili Bowl (Washington, D.C.), DC Court of Appeals (Washington, D.C.), DC Superior Court (2) (Washington, D.C.), F Street Office (Washington, D.C.), Forestville Office (Washington, D.C.), Georgia Avenue Office (Washington, D.C.), J.H. Mitchell Office (Washington, D.C.), Nationals Park (Washington, D.C.), Oxon Hill Office (Washington, D.C.), and U Street Office (Washington, D.C.), in addition to any ATMs in the Allpoint network
  • States: New Jersey, New York, and Washington, D.C.
  • Services: Personal (loans, checking, etc.) and business (services, loans, etc.) services
  • Assets: $432 million
  • Availability: Brick-and-mortar and online 

Liberty Bank

Liberty Bank was originally chartered in New Orleans in 1972. After acquiring the United Bank and Trust Company in 2009, its service grew across the Greater New Orleans area. Liberty Bank is the second-largest Black-owned bank in physical footprint, with branches in eight states.

  • Branches: Montgomery Liberty Bank (Montgomery, Ala.), Tuskegee Liberty Bank (Tuskegee, Ala.), Liberty Bank Forest Park (Forest Park, Ill.), Kansas City Liberty Bank (Kansas City, Kan.), Louisville Liberty Bank (Louisville, Ky.), Southdowns Liberty Bank (Baton Rouge, La.), Southern Heights Liberty Bank (Baton Rouge, La.), Canal Street Liberty Bank (New Orleans, La.), Crowder Blvd Liberty Bank (New Orleans, La.), Franklin Ave Liberty Bank (New Orleans, La.), General DeGaulle Liberty Bank (New Orleans, La.), Gentilly Blvd Liberty Bank (New Orleans, La.), Woodward Ave Liberty Bank (Detroit, Mich.), Jackson Liberty Bank (Jackson, Miss.), and Kansas City Liberty Bank (Kansas City, Mo.)
  • ATMs: Montgomery Liberty Bank (Montgomery, Ala.), Tuskegee Liberty Bank (Tuskegee, Ala.), Liberty Bank Forest Park (Forest Park, Ill.), 4850 State Street (Kansas City, Kan.), Southdowns Liberty Bank (Baton Rouge, La.), Southern Heights Liberty Bank (Baton Rouge, La.), 910-B Decatur Street (New Orleans, La.), 2800 Gravier Street (New Orleans, La.), American Can (New Orleans, La.), Canal Street Liberty Bank (New Orleans, La.), City Hall (New Orleans, La.), Crowder Blvd Liberty Bank (New Orleans, La.), Dillard — Rosenwald Hall (New Orleans, La.), Franklin Rouses (New Orleans, La.), French Market (New Orleans, La.), General DeGaulle Liberty Bank (New Orleans, La.), Gentilly Blvd Liberty Bank (New Orleans, La.), Lafon Nursing Facility (New Orleans, La.), Lockheed Martin Buildings 102 & 350 (New Orleans, La.), Orleans Sheriff (New Orleans, La.), Xavier University (2) (New Orleans, La.), Jackson Evers International Airport (Jackson, Miss.), Jackson Liberty Bank (Jackson, Miss.), Student Center (Jackson, Miss.), Tougaloo College (Jackson, Miss.), and Union Station (Jackson, Miss.)
  • States: Alabama, Illinois, Kansas, Kentucky, Louisiana, Michigan, Mississippi, and Missouri
  • Services: Personal (checking, savings, etc.), business (checking, savings, etc.), and institutional (cash management, corporate financing, etc.) services
  • Assets: $756.77 million
  • Availability: Brick-and-mortar and online

Mechanics & Farmers Bank

Founded in 1907 by nine businessmen, the Mechanics & Farmers Bank is a state-chartered commercial bank. By 1935, M&F Bank became the first lending institution in North Carolina to receive FHA certification. Mechanics & Farmers merged with Fraternal Bank & Trust in 1921 and acquired Mutual Community Savings Bank in 2008.

  • Branches: Charlotte (Charlotte, N.C.), Corporate Headquarters (Durham, N.C.), Durham Branch — Durham-Chapel Hill Boulevard (Durham, N.C.), Greensboro (Greensboro, N.C.), Raleigh Branch — Rock Quarry Road (Raleigh, N.C.), Winston-Salem (Winston-Salem, N.C.)
  • ATMs: Durham Branch (Durham, N.C.) and Raleigh Branch — East Hargett Street (Raleigh, N.C.)
  • States: North Carolina
  • Services: Personal (checking and savings accounts, loans, etc.) and business (commercial checking and savings, loans, etc.) services, in addition to wealth management
  • Assets: $316.45 million
  • Availability: Brick-and-mortar and online

Mount Olive Baptist Church Federal Credit Union

It received its Federal Charter on Oct. 21, 1997. The Mount Olive Baptist Church Federal Credit Union is a faith-based, not-for-profit financial institution. Mount Olive Baptist Church members and their immediate families are eligible to join this organization.

  • Branches: Mount Olive Baptist Church FCU (Dallas, Texas)
  • ATMs: N/A
  • States: Texas
  • Services: Loans (auto, unsecured, etc.), savings accounts, direct deposits, and wire transfers
  • Assets: $8.36 million
  • Availability: Brick-and-mortar and online

Oak Cliff Christian Federal Credit Union

Officially chartered on Sept. 22, 2008, the Oak Cliff Christian Federal Credit Union is a Christian-based financial institution sponsored by the Oak Cliff Bible Fellowship. Members, employees, students, or family of the Oak Cliff Bible Fellowship (and its subsidiaries) are eligible to join the organization.

  • Branches: Oak Cliff Christian FCU (Dallas, Texas)
  • ATMs: N/A
  • States: Texas
  • Services: Loans, financial products (IRAs, money market, etc.), direct deposit, money orders, and credit reports
  • Assets: $7.34 million
  • Availability: Brick-and-mortar and online

Omega Psi Phi Fraternity Federal Credit Union

Founded in 1986, the Omega Psi Phi Fraternity Federal Credit Union is open to members of the fraternity, including its chapters, districts, and other related organizations, and their families, in addition to employees of both the fraternity and credit union itself.

  • Branches: Omega Psi Phi Fraternity Federal Credit Union c/o CAMO (Toccoa, Ga.)
  • ATMs: N/A
  • States: Georgia
  • Services: Accounts (single, joint, etc.), share draft checking, loans, and credit cards
  • Assets: $2.35 million
  • Availability: Brick-and-mortar and online

OneUnited Bank

OneUnited Bank was the first online-only Black-owned bank and is the largest Black-owned bank in the U.S. Originally founded in 1968 as Unity Bank and Trust Company, OneUnited has financed more than $100 million in loans thus far, predominantly in low- to moderate-income communities.

“Everyone is talking about OneUnited Bank now, but what they’re not focusing on with OneUnited Bank is they’re heavily engaged in financial education and financial literacy in the cities that need it most,” Tyrone Ross, community director of Altruist, explains. “So I feel like right now, when you support OneUnited, again you get those end roads into their programs they already have instituted to provide access to financial education and financial literacy.”

  • Branches: Compton Branch (Coming Soon) (Compton, Calif.), Corporate Office and Crenshaw Branch (Los Angeles, Calif.), Miami Branch (Miami, Fla.), Corporate Headquarters (Boston, Mass.), and Roxbury Branch (Roxbury, Mass.)
  • ATMs: Part of the MoneyPass network
  • States: California, Florida, and Massachusetts
  • Services: Checking, savings, and secured VISA credit card
  • Assets: $650 million
  • Availability: Brick-and-mortar and online

OPTUS Bank

The story of OPTUS began in 1921, with the founding of the Victory Savings Bank by a group of African American leaders. OPTUS is committed to helping anyone, regardless of background or situation, build their wealth and improve their lives.

  • Branches: Main Branch (Columbia, S.C.)
  • ATMs: Beltline Branch (Columbia, S.C.), Corporate Office (Columbia, S.C.), and Main Branch (Columbia, S.C.)
  • States: South Carolina
  • Services: Personal (IRAs, consumer loans, etc.) and business (transaction accounts, merchant services, etc.) banking
  • Assets: $161.53 million
  • Availability: Brick-and-mortar and online

South Side Community Federal Credit Union

Since 2004, the South Side Community Federal Credit Union has offered access to credit and savings services for its members, in addition to financial education. Individuals are eligible for membership if they live, work, worship, attend school, or belong to an organization that is within Chicago’s South Side.

  • Branches: South Side Community Federal Credit Union (Chicago, Ill.)
  • ATMs: N/A
  • States: Illinois
  • Services: Accounts (savings, checking, etc.), loans (payroll advance, payday alternative, etc.), financial education classes, and other services (transfer sweeps, money orders, etc.)
  • Assets: $5.08 million
  • Availability: Brick-and-mortar and online

Southern Teachers & Parents Federal Credit Union

With more than 80 years of service, Southern Teachers & Parents Federal Credit Union provides personalized financial services to its members. Those eligible for membership include alumni, employees, parents, and students of Southern University; employees in Assumption, East Baton Rouge, Lafourche, and West Feliciana parishes; employees in Thibodaux and the Lafourche Parish Juvenile Justice Facility; and their family members.

  • Branches: Main Office (Baton Rouge, La.) and Lafeda Branch (Thibodaux, La.)
  • ATMs: Part of the CU Alliance network
  • States: Louisiana
  • Services: Accounts (checking, savings, and youth), loans, other services (VISA debit and credit cards, financial counseling, etc.)
  • Assets: $30.34 million
  • Availability: Brick-and-mortar and online

St. Louis Community Credit Union

Originally chartered in 1942 as the Teachers Credit Union, St. Louis Community Credit Union offers both financial services and several programs to support consumers in the local community. Individuals who live or work in St. Louis City, Franklin, and St. Louis county in Missouri—as well as in St. Clair, Madison, Monroe, and Jersey counties in Illinois—are eligible for membership, in addition to their families.

  • Branches: Ferguson Branch (Ferguson, Mo.), Florissant Branch (Florissant, Mo.), Flower Valley Branch (Florissant, Mo.), Pagedale Branch (Pagedale, Mo.), Richmond Heights (Richmond Heights, Mo.), St. John Branch (St. John), Benton Park Branch (St. Louis, Mo.), Gateway Branch (St. Louis, Mo.), Grace Hill (St. Louis, Mo.), Jennings Branch (St. Louis, Mo.), LifeWise STL (St. Louis, Mo.), Midtown Branch (St. Louis, Mo.), South City (St. Louis, Mo.), Southtown Branch (St. Louis, Mo.), Sullivan Branch (St. Louis, Mo.), University City (University City, Mo.), MET Center (Wellston, Mo.)
  • ATMs: Part of the CO-OP network
  • States: Missouri
  • Services: Loans (auto, personal, etc.), accounts (savings and checking), business development, advocacy, and insurance (life, AD&D, etc.)
  • Assets: $285 million
  • Availability: Brick-and-mortar and online

The Harbor Bank of Maryland

Originally opening its doors in September 1982, The Harbor Bank of Maryland offers banking and other financial services, primarily in the Baltimore metropolitan area. Harbor Bank was also the first community bank in the U.S. to have an investment subsidiary and the first to receive funding from Fannie Mae via the Community Development Financial Institution (CDFI) program. Harbor Bank is one of the two banks that are considered “Black-operated” instead of Black-owned.

  • Branches: Inner Harbor East Office (Baltimore, Md.), Main Office (Baltimore, Md.), Pimlico Office (Baltimore, Md.), Research Park Office (Baltimore, Md.), The Harbor Science & Technology Park East Branch (Baltimore, Md.),Randallstown Office (Randallstown, Md.), and Silver Spring (Silver Spring, Md.)
  • ATMs: Inner Harbor East Office (Baltimore, Md.), Main Office (Baltimore, Md.), Pimlico Office (Baltimore, Md.), Research Park Office (Baltimore, Md.), The Harbor Science & Technology Park East Branch (Baltimore, Md.),Randallstown Office (Randallstown, Md.), and Silver Spring (Silver Spring, Md.), in addition to any ATMS in the AllPoint network
  • States: Maryland
  • Services: Personal (checking, mortgages, etc.) and business (checking, savings, etc.) banking, in addition to loans (personal, mortgage, and business)
  • Assets: $327.45 million
  • Availability: Brick-and-mortar and online

Toledo Urban Federal Credit Union

Toledo Urban Federal Credit Union originally opened its doors on July 21, 1996, to help its members achieve economic empowerment. Membership in Toledo’s first community development credit union is available to individuals who live, work, worship, perform volunteer services, or participate in associations headquartered in the central city community, in addition to their families.

  • Branches: Nexus Building (Toledo, Ohio) and Toledo Urban Federal Credit Union (Toledo, Ohio)
  • ATMs: N/A
  • States: Ohio
  • Services: Checking and share accounts, loans (personal, tuition, etc.), credit and ATM/debit cards, credit counseling, and other services (notary service, overdraft protection, etc.)
  • Assets: $10 million
  • Availability: Brick-and-mortar and online

Tri-State Bank

In the first 10 years after its founding in 1946, Tri-State Bank of Memphis made more than $10 million in first mortgage loans on homes, representing home ownership for more than 2,000 African American families. Tri-State has also played a critical part in the civil rights movement, including hosting local sit-ins in the bank’s boardroom, providing bail money for protesters, and providing $60,000 in loans to help save the Lorraine Motel, the site of Dr. Martin Luther King’s assassination, from foreclosure in 1982.

  • Branches: Whitehaven (Memphis, Tenn.)
  • ATMs: Whitehaven (Memphis, Tenn.) and any ATMs in the Money Tower network
  • States: Tennessee
  • Services: Personal (checking, savings, etc.), business (checking, savings, etc.), loans (auto, mortgage, etc.), and other services (financial education, Fraud Center, etc.)
  • Assets: $111 million
  • Availability: Brick-and-mortar and online

United Bank of Philadelphia

Originally founded in 1992, United Bank of Philadelphia offers personalized banking services in the Greater Philadelphia area to both individuals and businesses. By providing financing to small businesses in urban areas, United Bank supports their growth and allows them to create jobs with livable wages, thus improving the economic condition of those working in the local community.

  • Branches: Center City (Philadelphia, Pa.) and Progress Plaza (Philadelphia, Pa.)
  • ATMs: C-Town Supermarket (Philadelphia, Pa.), City Hall (Philadelphia, Pa.), Criminal Justice Center (Philadelphia, Pa.), Masjidullah Inc. (Philadelphia, Pa.), Philadelphia Traffic Court (Philadelphia, Pa.), Police Districts (Philadelphia, Pa.), Revolutions at Penn Treaty (Philadelphia, Pa.), The Fillmore-Philadelphia (Philadelphia, Pa.), and West Philadelphia (Philadelphia, Pa.)
  • States: Pennsylvania
  • Services: Personal and business banking (checking, savings, etc.), in addition to loans (SBA and commercial loans)
  • Assets: $54.64 million
  • Availability: Brick-and-mortar and online

Unity National Bank

The bank was founded in 1963 and chartered in 1985. “In February 1989, through a series of transactions and diligent efforts, it was acquired from Bay Bancshares by local minority leaders,” the bank’s history reports. Unity focuses on helping to rebuild the community with an emphasis on commercial loans and mortgages. It also works closely with civic organizations and agencies, such as the NAACP and the Third Ward Redevelopment Council.

  • Branches: Atlanta (Atlanta, Ga.) Blodgett (Houston, Texas), and Fort Bend (Missouri City, Texas)
  • ATMs: Atlanta (Atlanta, Ga.) Blodgett (Houston, Texas), and Fort Bend (Missouri City, Texas), in addition to any ATMs in the Select network
  • States: Georgia and Texas
  • Services: Business and personal services (loans, checking and savings accounts, etc.)
  • Assets: $133.61 million
  • Availability: Brick-and-mortar and online

Urban Upbound Federal Credit Union

Urban Upbound was founded in 2004, to provide five integrated programs to individuals living in public housing and and other low- and moderate-income neighborhoods. The Urban Upbound Federal Credit Union offers affordable financial services to its members.

  • Branches: Urban Upbound Federal Credit Union (Long Island City, N.Y.)
  • ATMs: N/A
  • States: New York
  • Services: Savings, share certificates, as well as personal and small business loans
  • Assets: $1.35 million
  • Availability: Brick-and-mortar and online

Virginia State University Federal Credit Union

Authority to establish the Virginia State College Federal Credit Union was granted on Oct. 19, 1938. On May 22, 1979, the organization’s board of directors voted to change the name to the Virginia State University Federal Credit Union.

  • Branches: Virginia State University Federal Credit Union (South Chesterfield, Va.)
  • ATMs: Virginia State University Federal Credit Union (South Chesterfield, Va.)
  • States: Virginia
  • Services: Loans, accounts (checking, savings, etc.), insurance, and other services (wire transfer, direct deposit, etc.)
  • Assets: $10.17 million
  • Availability: Brick-and-mortar and online
Источник: https://www.investopedia.com/black-owned-banks-by-state-5024944

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Bank of America Headquarters Address, CEO Email Address and Contact Information

Bank of America is one of the largest MNC investment banks in the US. In addition to banking service, BOA offers financial services, including credit cards, home loans, auto loans, saving accounts, and more. To buy credit card with good benefits, many people prefer BOA. They offer attractive loan rates and best services. The bank was founded in San Francisco, California to cater the needs of financial services and banking customers in the United States of America. The bank is headquartered in Charlotte, North Carolina, United States.

The bank is headquartered in Charlotte, North Carolina, United States. BOA is listed on the NYSE with stock name BAC. As of December 13, 2019, the stock price of BAC is US$34.44. Brian T Moynihan is the Chief Executive Officer of the bank since January 2010.

Bank of America Headquarters

Bank of America Headquarters

Bank of America Headquarters Info

To send your query to the highest level i.e. corporate headquarters, please save Bank of America Corporate Headquarters Address, Bank of America Corporate Center, 100 North Tryon Street, Charlotte, NC 28255, United States. Please get in touch with BOA Corporate Headquarters when you didn’t get satisfactory answer from the lower management, customer support, and other ways.

Bank of America General account information, Lost or stolen ATM or debit card, Opening an account

Use this 800.432.1000 contact number in case of lost or stolen debit card or stolen ATM, general account information and any query regarding to opening an account. Please contact on this 1.315.724.4022 number in case of international collect, but make sure that cell phone roaming charges may apply.

Bank of America provide the facility of 24/7 automated support at 800.688.6086. The TTY or TDD Number of  Bank of America is 800.288.4408.

Bank of America Supplier relations and development help desk support

If you are in U.S., and want to contact development help desk support, then please call on 888.550.6433. For the outside U.S. and international collect, please call on 1.401.865.7948. Make sure that cell phone roaming charges may apply.

For Neighborhood builders, Local grants,  Student leaders, Volunteer grants, and Matching gifts, please contact on 800.218.9946.

Bank of America Joe Martin Scholarship (for Bank of America employees and retirees only)

Kindly call on 800.537.4180 this number for Joe Martin Scholarship only for Bank of America employees and retirees. Bank of America provide helpline in Spanish on 800.688.6086 this number.

Bank of America ATM Customer Service

Please note this mailing address of Bank of America PO Box 25118, Tampa, FL 33622–5118, in case of any query or issues regarding to ATM. To report a problem with an ATM, please call at 844.401.8500 and select option 1. You can contact Bank of America for ATM customer service through telephone on 844.401.8500 and select option 2.

For general account servicing and information (your card or account number will be required)

You have any query or issues regarding to general account servicing, then please call at 844.401.8500 and select option 3. Make sure that your account number or card will be required. In case of international collect, kindly call on 1.315.724.4022. It would be cell phone roaming charges may apply on this number.

The bank also offers a helpline number in Spanish, which is 844.401.8500 and select option number 3. You can also contact through TTY/TDD number, which is 800.288.4408. If you are searching for official website of Bank of America, the please visit this official web portal https://www.bankofamerica.com/.

Bank of America Auto Loans Customer Service

The auto loans customer service number of Bank of America for new customers is 844.892.6002 and for existing customers is 800.215.6195. TTY/TDD number of Bank of America is 866.345.1248.

Bank of America CDs & IRAs Customer Service

The mailing address of CDs & IRAs Customer Service of Bank of America is Bank of America, TX2-979-02-14, PO Box 619040, Dallas, TX 75261-9943. You can contact for CDs & IRAs Customer Service through this 888.827.1812 helpline number and this 800.288.4408 TTY/TDD number.

Bank of America Checking & Savings Customer Service

If you want to know General account information or want to Report a lost or stolen ATM or want to get information about debit card or Open an account then please call on 800.432.1000 this number for inside U.S. and please call on 1.315.724.4022 this number for international collect. Make sure that cell phone roaming charges may apply for international collect.

In case of send a letter to Bank of America, use this postal address Bank of America, PO Box 25118, Tampa, FL 33622–5118. The Bank offers a Spanish helpline number 800.688.6086 and TTY/TDD number 800.288.4408.

Bank of America Credit Card Customer Service

If you are customer of Bank of America credit card and looking for support address related to credit card payment, please use this mailing address, Credit card payments, Bank of America, PO Box 15019, Wilmington, DE 19886-5019.

To know your Application status inquiries for Bank of America credit card, please use this mailing address, Bank of America, PO Box 2493, Norfolk, VA 23501-2493.

If you are looking for address other than mailing, please use this Express overnight service: Payment Services, 900 Samoset Drive, DE5-023-03-02, Newark, DE 19713-6000. For Credit card billing inquiries, please send your queries or concerns at, Bank of America, PO Box 982234, El Paso, TX 79998-2234.

If you have any Questions about card types, we strongly suggest you to use this address, Bank of America, PO Box 53132, Phoenix, AZ 85027-3132.

Contact Numbers

  • Credit card customer service (including lost or stolen card) Number: 800.732.9194 (24/7)
  • Phone Number: 1.757.677.4701 (international cell phone roaming charges may apply)
  • Credit card activation Number: 800.276.9939 (24/7)
  • TTY/TDD Number: 800.222.7365
  • Credit card billing inquiries Number: 866.266.0212

Bank of America Insurance & Protection Customer Service

If you are customer of Bank of America and looking for insurance and protection customer support and need support for Health Benefit Accounts (HSA, FSA, HRA), For assistance opening a new HSA account, please call at 800.992.3200 option 1.

If you are an existing customer with a service-related question, please call at this number 800.516.9561. If you are looking for assistance with an existing account Phone, please contact here 800.718.6710.

If you are looking for TTY/TDD number, here it is 800.305.5109 (only TTY/TDD Number). For additional assistance locating this contact information call at 866.817.2836.

Contact us from outside the U.S. (International Travel Support)

  • Call international collect: 1.315.724.4022 (international cell phone roaming charges may apply)
  • For credit card issues: 1.757.677.4701
  • For debit card issues: 1.315.724.4022

Bank of America Loans For Health Care Professionals: 800.497.6076

Bank of America Military & Student Banking Customer Service

If you are looking for mailing addresses of military banking and student banking support, please find here, Military Banking: Bank of America, TX7-400-01-15, San Antonio, TX 78208-8000 and Student Banking Group, PO Box 182174, Columbus, OH 43218-2174.

Phone Numbers

If you are looking phone number for student banking instead of mailing address, here it is their Student banking Phone number 800.432.1000 and Contact Number (international location): 1.315.724.4022 (international collect; cell phone roaming charges may apply). If you are looking for lending, please contact at Student lending section by calling at 800.344.8382.

If you are looking for phone support for Military banking, please use this phone number 800.334.1920. If you are calling from outside the United States, use this phone number 1.210.978.5000 (international collect; cell phone roaming charges may apply).

If you are an existing customer and looking for phone support of safe deposit box, please use this contact number 800.432.1000.

Bank of America Mobile Banking Customer Service

If you are looking for mobile banking customer support, please use this mailing address here, Bank of America, PO Box 25118, Tampa, FL 33622-5118 and to get phone support, please use this number 800.432.1000 (Mobile Banking support number only).

Bank of America Mortgage & Home Equity Customer Service

If you are an existing customer with current mortgages (Existing mortgages), please reach out at 800.669.6607 (Mon–Fri 8 a.m.-9 p.m. ET) to get customer support. If you are looking for phone support for New home equity applications, please reach out at 800.779.3894 (Mon–Fri 8 a.m.-10 p.m. ET, Sat 8 a.m.-6:30 p.m. ET).

If you are a having Existing home equity accounts, please reach to 800.934.5626 between Mon–Fri 8 a.m.-9 p.m. ET. If you are not an existing customer and looking for New mortgage, please reach at 800.270.5746 between Mon–Fri 8 a.m.-10 p.m. ET, Sat 8 a.m.-6:30 p.m. ET.

Bank of America Online Banking & Bill Pay Customer Service

If you are looking for customer support and service for online banking and bill pay, their mailing address is, FL1-300-02-07, PO Box 25118, Tampa, FL 33622-5118 and to get phone support, please reach to 800.432.1000 (Online Banking support Number).

Bank of America Privacy & Security Customer Service

If you are looking for private and security customer support mailing address, here it is, PO Box 25118, Tampa, FL 33622-5118. To get mailing address for privacy support, please use this address, Privacy Assist® Customer Service: PO Box 220510, Chantilly, VA 20153-0510.

To report a lost or stolen ATM or debit card, please reach out to this number 800.432.1000. If you are not located in the US and calling from international number, please use this 1.315.724.4022 (international collect; cell phone roaming charges may apply).

To report a lost or stolen credit card, please use this phone number 800.732.9194. If you are calling outside of the United States, please call 1.757.677.4701 (international collect; cell phone roaming charges may apply).

To report a lost or stolen check book, please use this customer support number 800.432.1000. If you are located outside of the US, call on this number 1.315.724.4022 (international collect; cell phone roaming charges may apply).

Report Fraudulent or Suspicious Activity Contact Details and Numbers

If you have received a call with fraud activities, or suspicious activity related to Bank of America, please inform at customer support number, for ATM or debit charges, please call on 877.366.1121 (ATM or debit charges). To get information or customer support for Mortgage accounts, please call on 800.669.6607.

If you have Home equity accounts and looking for support, please contact at 800.934.5626 (Home equity accounts) and for online banking support, please call at their phone 800.432.1000.

If you are looking for support in Spanish language for all work (Bank of America), please call 800.688.6086. If you are looking for all other customer support from Bank of America, please call at 800.432.1000, 1.315.724.4022 (international collect; cell phone roaming charges may apply).

Bank of America Small Business Customer Service

You are an owner of small business and want to open a new account, please call at 866.543.2808 (Customer Service Support for Opening a new account). To get customer support for Remote Deposit Online support, we suggest you to contact at 877.270.1242.

If your concern is not related to new account opening or remote deposit online, get your query answered at General servicing questions support number 888.BUSINESS (888.287.4637).

If your query is related to merchant services, please call at 800.430.7161 to get dedicated support for Merchant Services of Bank of America. If you are customer of online banking of Bank of America, and have any query related to it, please call at 866.758.5972 to get support for Online Banking.

We strongly suggest you to call on 888.606.4545 for Intuit(R) Online Payroll support from Bank of America.

Bank of America Email Format and bankofamerica.com Emails

To contact any employee, officer, or executive of Bank of America, use our suggested email format, two successful and most used email formats are, firstname ‘.’ lastname, [email protected], Uses 89.2%, and firstlast,  [email protected], Uses 3.1%.

Related Article: Fannie Mae Headquarters Contact Details

Article last re-published on November 1, 2020.

Источник: https://headquartersof.com/bank-of-america-headquarters-address-and-contact-information/
bank of america new jersey corporate office

Bank of America Headquarters Address, CEO Email Address and Contact Information

Bank of America is one of the largest MNC investment banks in the US. In addition to banking service, BOA offers financial services, including credit cards, home loans, auto loans, saving accounts, and more. To buy credit card with good benefits, many people prefer BOA. They offer attractive loan rates and best services. The bank was founded in San Francisco, California to cater the needs of financial services and banking customers homes for sale in montevilla jacksonville fl the United States of America. The bank is headquartered in Charlotte, North Carolina, United States.

The bank is headquartered in Charlotte, North Carolina, United States. BOA is listed on the NYSE with stock name BAC. As of December 13, 2019, the stock price of BAC is US$34.44. Brian T Moynihan is the Chief Executive Officer of the bank since January 2010.

Bank of America Headquarters

Bank of America Headquarters

Bank of America Headquarters Info

To send your query to the highest level i.e. corporate headquarters, please save Bank of America Corporate Headquarters Address, Bank of America Corporate Center, 100 North Tryon Street, Charlotte, NC 28255, United States. Please get in touch with BOA Corporate Headquarters when you didn’t get satisfactory answer from the lower management, customer support, and other ways.

Bank of America General account information, Lost or stolen ATM or debit card, Opening an account

Use this 800.432.1000 contact number in case of lost or stolen debit card or stolen ATM, general account information and any query regarding to opening an account. Please contact on this 1.315.724.4022 number in case of international collect, but make sure that cell phone roaming charges may apply.

Bank of America provide the facility of 24/7 automated support at 800.688.6086. The TTY or TDD Number of  Bank of America is 800.288.4408.

Bank of America Supplier relations and development help desk support

If you are in U.S., and want to contact development help desk support, then please call on 888.550.6433. For the outside U.S. and international collect, please call on 1.401.865.7948. Make sure that cell phone roaming charges may apply.

For Neighborhood builders, Local grants,  Student leaders, Volunteer grants, and Matching gifts, please contact on 800.218.9946.

Bank of America Joe Martin Scholarship (for Bank of America employees and retirees only)

Kindly call on 800.537.4180 this number for Joe Martin Scholarship only for Bank of America employees and retirees. Bank of America provide helpline in Spanish on 800.688.6086 this number.

Bank of America ATM Customer Service

Please note this mailing address of Bank of America PO Box 25118, Tampa, FL 33622–5118, in case of any query or issues regarding to ATM. To report a problem with an ATM, please call at 844.401.8500 and select option 1. You can contact Bank of America for ATM customer service through telephone on 844.401.8500 and select option 2.

For general account servicing and information (your card or account number will be required)

You have any query or issues regarding to general account servicing, then please call at 844.401.8500 and select option 3. Make sure that your account number or card will be required. In case of international collect, kindly call on 1.315.724.4022. It would be cell phone roaming charges may apply on this number.

The bank also offers a helpline number in Spanish, which is 844.401.8500 and select option number 3. You can also contact through TTY/TDD number, which is 800.288.4408. If you are searching for official website of Bank of America, the please visit this official web portal https://www.bankofamerica.com/.

Bank of America Auto Loans Customer Service

The auto loans customer service number of Bank of America for new customers is 844.892.6002 and for existing customers is 800.215.6195. TTY/TDD number of Bank of America is 866.345.1248.

Bank of America CDs & IRAs Customer Service

The mailing address of CDs & IRAs Customer Service of Bank of America is Bank of America, TX2-979-02-14, PO Box 619040, Dallas, TX 75261-9943. You can contact for CDs & IRAs Customer Service through this 888.827.1812 helpline number and this 800.288.4408 TTY/TDD number.

Bank of America Checking & Savings Customer Service

If you want to know General account information or want to Report a lost or stolen ATM or want to get information about debit card or Open an account then please call on 800.432.1000 this number for inside U.S. and please call on 1.315.724.4022 this number for international collect. Make sure that cell phone roaming charges may apply for international collect.

In case of send a letter to Bank of America, use this postal address Bank of America, PO Box 25118, Tampa, FL 33622–5118. The Bank offers a Spanish helpline number 800.688.6086 and TTY/TDD number 800.288.4408.

Bank of America Credit Card Customer Service

If you are customer of Bank of America credit card and looking for support address related to credit card payment, please use this mailing address, Credit card payments, Bank of America, PO Box 15019, Wilmington, DE 19886-5019.

To know your Application status inquiries for Bank of America credit card, please use this mailing address, Bank of America, PO Box 2493, Norfolk, VA 23501-2493.

If you are looking for address other than mailing, please use this Express overnight service: Payment Services, 900 Samoset Drive, DE5-023-03-02, Newark, DE 19713-6000. For Credit card billing inquiries, please send your queries or concerns at, Bank of America, PO Box 982234, El Paso, TX 79998-2234.

If you have any Questions about card types, we strongly suggest you to use this address, Bank of America, PO Box 53132, Phoenix, AZ 85027-3132.

Contact Numbers

  • Credit card customer service (including lost or stolen card) Number: 800.732.9194 (24/7)
  • Phone Number: 1.757.677.4701 (international cell phone roaming charges may apply)
  • Credit card activation Number: 800.276.9939 (24/7)
  • TTY/TDD Number: 800.222.7365
  • Credit card billing inquiries Number: 866.266.0212

Bank of America Bank of america new jersey corporate office & Protection Customer Service

If you are customer of Bank of America and looking for insurance and protection customer support and need support for Health Benefit Accounts (HSA, FSA, HRA), For assistance opening a new HSA account, please call at 800.992.3200 option 1.

If you are an existing customer with a service-related question, please call at this number 800.516.9561. If you are looking for assistance with an existing account Phone, please contact here 800.718.6710.

If you are looking for TTY/TDD security bank and trust company, here it is 800.305.5109 (only TTY/TDD Number). For additional assistance locating this contact information call at 866.817.2836.

Contact us from outside the U.S. (International Travel Support)

  • Call international collect: 1.315.724.4022 (international cell phone roaming charges may apply)
  • For credit card issues: 1.757.677.4701
  • For debit card issues: 1.315.724.4022

Bank of America Loans For Health Bank of america new jersey corporate office Professionals: 800.497.6076

Bank of America Military & Student Banking Customer Service

If you are looking for mailing bank of america new jersey corporate office of military banking and student banking support, please find here, Military Banking: Bank of America, TX7-400-01-15, San Antonio, TX 78208-8000 and Student Banking Group, PO Box 182174, Columbus, OH 43218-2174.

Phone Numbers

If you are looking phone number for student banking instead of mailing address, here it is their Student banking Phone number 800.432.1000 and Contact Number (international location): 1.315.724.4022 (international collect; cell phone roaming charges may apply). If you are looking for lending, please contact at Student lending section by calling at 800.344.8382.

If you are looking for phone support for Military banking, please use this phone number 800.334.1920. If you are calling from outside the United States, use this phone number 1.210.978.5000 (international collect; cell phone roaming charges may apply).

If you are an existing customer and looking for phone support of safe deposit box, please use this contact number 800.432.1000.

Bank of America Mobile Banking Customer Service

If you are looking for mobile banking customer support, please use this mailing address here, Bank of America, PO Box 25118, Tampa, FL 33622-5118 and to get phone support, please use this number 800.432.1000 (Mobile Banking support number only).

Bank of America Mortgage & Home Equity Customer Service

If you are an existing customer with current mortgages (Existing mortgages), please reach out at 800.669.6607 (Mon–Fri 8 a.m.-9 p.m. ET) to get customer support. If you are looking for phone support for New home equity applications, cox login pay bill reach out at 800.779.3894 (Mon–Fri 8 a.m.-10 p.m. ET, Sat 8 a.m.-6:30 p.m. ET).

If you are a having Existing home equity accounts, please reach to 800.934.5626 between Mon–Fri 8 a.m.-9 p.m. ET. If you are not an existing customer and looking for New mortgage, please reach at 800.270.5746 between Mon–Fri 8 a.m.-10 p.m. ET, Sat 8 a.m.-6:30 p.m. ET.

Bank of America Online Banking & Bill Pay Customer Service

If you are looking for customer support and service for online banking and bill pay, their mailing address is, FL1-300-02-07, PO Box 25118, Tampa, FL 33622-5118 and to get phone support, please reach to 800.432.1000 (Online Banking support Number).

Bank of America Privacy & Security Customer Service

If you are looking for private and security customer support mailing address, here it is, PO Box 25118, Tampa, FL 33622-5118. To get mailing address for privacy support, please use this address, Privacy Assist® Customer Service: PO Box 220510, Chantilly, VA 20153-0510.

To report a lost or stolen ATM or debit card, please reach out to this number 800.432.1000. If you are not located in the US and calling from international number, please use this 1.315.724.4022 (international collect; cell phone roaming charges may apply).

To report a lost or stolen credit card, please use this phone number 800.732.9194. If you are calling outside of the Bank of america new jersey corporate office States, please call 1.757.677.4701 (international collect; cell phone roaming charges may apply).

To report a lost or stolen check book, please use this customer support number 800.432.1000. If you are located outside of the US, call on this number 1.315.724.4022 (international collect; cell phone roaming charges may apply).

Report Fraudulent or Suspicious Activity Contact Details and Numbers

If you have received a call with fraud activities, or suspicious activity related to Bank of America, please inform at customer support number, for ATM or debit charges, please call on 877.366.1121 (ATM or debit charges). To get information or customer support for Mortgage accounts, please call on 800.669.6607.

If you have Home equity accounts and looking for support, please contact at 800.934.5626 (Home equity accounts) and for online banking support, please call at their phone 800.432.1000.

If you are looking for support in Spanish language for all work (Bank of America), please call 800.688.6086. If you are looking for all other customer support from Bank of America, please call at 800.432.1000, 1.315.724.4022 (international collect; cell phone roaming charges may apply).

Bank of America Small Business Customer Service

You are an owner of small business and want to open a new account, please call at 866.543.2808 (Customer Service Support for Opening a new account). To get customer support for Remote Deposit Online support, we suggest you to contact at 877.270.1242.

If your concern is not related to new account opening or remote deposit online, get your query answered at General servicing questions support number 888.BUSINESS (888.287.4637).

If your query is related to merchant services, please call at 800.430.7161 to get dedicated support for Merchant Services of Bank of America. If you are customer of online banking of Bank of America, and have any query related to it, please call at 866.758.5972 to get support for Online Banking.

We strongly suggest you to call on 888.606.4545 for Intuit(R) Online Payroll support from Bank of America.

Bank of America Email Format and bankofamerica.com Emails

To contact any employee, officer, or executive of Bank of America, use our suggested email format, two successful and most used email formats are, firstname ‘.’ lastname, [email protected], Uses 89.2%, and firstlast,  [email protected], Uses 3.1%.

Related Article: Fannie Mae Headquarters Contact Details

Article last re-published on November 1, 2020.

Источник: https://headquartersof.com/bank-of-america-headquarters-address-and-contact-information/

Searching for Bank Of America Headquarters Nj info? You have come to exactly the right place. We collected all data about Bank Of America Headquarters Nj.


Bank Of America Corporate Headquarters in Jersey City, NJ .

    https://www.yellowpages.com/jersey-city-nj/bank-of-america-corporate-headquarters
    Bank of America. Banks Commercial & Savings Banks Loans. Website. (800) 432-1000. 123 Harborside Pl. Jersey City, NJ 07311. From Business: Welcome to Bank of America in Jersey City, NJ, home to your financial needs including personal checking and savings accounts, online/mobile banking, student…. 2. Bank of America.

Bank Of America Corporate Office in Pennington, NJ with .

    https://www.yellowpages.com/pennington-nj/bank-of-america-corporate-office
    Website. (609) 452-2923. 3371 Us Highway 1. Lawrence Township, NJ 08648. From Business: Welcome to Bank of America in Lawrenceville, NJ, home to a variety of your financial needs including checking and savings accounts, online banking, mobile and…. 6.

New Jersey is your home. It’s ours, too. - Bank of America

    https://about.bankofamerica.com/en/local/new-jersey
    As President of Bank of America New Jersey, I am proud that we have made a $1 billion, four-year commitment of additional support to help local communities address economic and racial inequality accelerated by the global pandemic. We will focus on assisting people and communities of color that have experienced the greatest impact from the .

Bank of America Financial Center in Gloucester City, NJ .

    https://locators.bankofamerica.com/nj/gloucestercity/financial-centers-gloucester-city-15317.html
    Bank of America's financial center and ATM located at 1 N Broadway in Gloucester City, NJ is conveniently located bank of america new jersey corporate office the banking services you need. Print location details and map close print window Skip to main contentLocation: 1 N Broadway, Gloucester City, 08030, NJ

Bank Of America in Pennington New Jersey - 1600 Merrill .

    https://www.wheresmybank.com/branch-469377-bank-of-america-new-jersey-branch
    Bank Of America lobby hours, directions, reviews, phone number and online banking information for the New Jersey Branch office of Bank Of America located at 1600 Merrill Lynch Drive in Pennington New Jersey …

Bank Of America Headquarters, Corporate Office and Phone .

    http://corporateofficedata.com/financial-services/bank-of-america/
    Bank Of America Headquarters, Corporate Office and Phone Number Bank of America is the United States largest financial conglomerate providing full range of services all over the world. Though its main activity is focused on the United States, the corporation is represented in many countries being the eleventh world largest company according to .

Bank of America Corporate Office Headquarters

    https://www.corporateofficeheadquarters.com/2011/09/bank-of-america-corporate-office.html
    Bank of America Corporate Office Headquarters HQ Address: 100 North Tryon Street Charlotte, NC 28255 Corporate Phone Number: 1-704-386-5681 Corporate Fax Number: 1-704-386-6699 Corporate Email: [email protected] Corporate Stock Symbol: BAC Bank of America is a banking company with branches throughout the United States. Bank of America offers both residential and commercial …

Bank of America - Banking, Credit Cards, Loans and Merrill .

    https://www.bankofamerica.com/
    Bank of America Private Bank is a division of Bank of America, N.A., Member FDIC and a wholly owned subsidiary of Bank of America Corporation. Trust and fiduciary services are provided by Bank of America, N.A. and U.S. Trust Company of Delaware. Both are indirect subsidiaries of Bank of America …

Bank of America Financial Centers and ATMs in Gloucester .

    https://locators.bankofamerica.com/nj/gloucestercity/
    MLPF&S makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation. Bank of America Private Bank is a division of Bank of America, N.A., Member FDIC and a wholly owned subsidiary of Bank of America …

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Mizuho What is the routing number for renasant bank locations

New York

1271 Avenue of the Americas, New York, NY 10020

tel.1-212-282-3000

Mizuho Bank, Ltd.
Mizuho Bank (USA), Member FDIC
Mizuho Securities USA LLC
Mizuho Securities Canada Inc.

1251 Avenue of the Americas, New York, NY 10020

tel.1-212-282-3000 / 1-212-373-5900

Mizuho Bank, Ltd.
Mizuho Bank (USA), Member FDIC
Mizuho Securities USA LLC

Atlanta

3353 Peachtree Road NE, Atlanta Financial Center, Suite 500, Atlanta, GA 30326

tel.1-404-364-1550

Mizuho Bank, Ltd.
Mizuho Bank (USA), Member FDIC

Boston

125 High Street, 21st Floor Boston, MA 02110

tel.1-617-235-1722

Mizuho Securities USA LLC

Chicago

311 South Wacker Drive, Suite 700 Chicago, IL 60606

tel.1-312-294-8800

Mizuho Securities USA LLC
Mizuho Bank, Ltd.
Mizuho Bank (USA), Member FDIC

Dallas

5345 Towne Square Dr., Suite 285 Plano, TX 75024

tel.1-972-324-3350

Mizuho Bank, Ltd.
Mizuho Bank (USA), Member FDIC

Houston

2700 Post Oak Blvd., Suite 1270 Houston, TX 77056

tel.1-713-499-4800

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Mizuho Bank (USA), Member FDIC
Mizuho Securities USA LLC

Iselin

101 Wood Avenue S, 3rd Floor Iselin, NJ 08830

tel.201-626-1000

Mizuho Securities USA LLC

Jersey City

3 Second Street Jersey City, NJ 07302

tel.1-201-626-9000

Mizuho Bank, Ltd.

Los Angeles

350 South Grand Avenue, Suite 1500 Los Angeles, CA 90071

tel.213-243-4500

Mizuho Bank, Ltd.
Mizuho Bank (USA), Member FDIC
Mizuho Securities USA LLC

San Francisco

235 Pine Street, 19th Floor San Francisco, CA 94104

tel.1-415-365-1750

Mizuho Bank, Ltd.
Mizuho Bank (USA), Member FDIC

235 Pine Street, 19th Floor San Francisco, CA 94104

tel.1-415-268-5500

Mizuho Securities USA LLC

Washington, D.C.

1275 Pennsylvania Avenue, NW, Suite 310, Washington, DC 20004

tel.202-292-5080

Mizuho Bank, Ltd.

São Paulo

Pres. Juscelino Kubitschek, 2.041 - Torre E - 7ºandar Itaim Bibi, São Paulo, SP, CEP. 04543-011

tel.55-11-5504-9844

Banco Mizuho do Brasil S.A

Calgary

Suite 1000, 888 3rd Street South West, Calgary Alberta, T2P 5C5

tel.1-403-444-5375

Mizuho Bank, Ltd.
Mizuho Securities Canada Inc.

Toronto

100 Yonge Street, Suite 1102 Toronto, Ontario, M5C 2W1

tel.1-416-874-0222

Mizuho Bank, Ltd.
Mizuho Securities Canada Inc.

Santiago

Av. Apoquindo 3472, Piso 7, Las Condes, Santiago

tel.56-2-3203-5773

Mizuho Bank, Ltd.

Mexico City

Paseo de la Reforma No. 342 Piso 10, Col. Juárez Delegación Cuauhtémoc 06600, Ciudad de México

tel.52-55-5281-5037

Mizuho Bank México

Leon

Blvd. Paseo de los Insurgentes 3356 Torre 2, nivel 2, Col. San Jose de las Piletas 37530, Leon, Guanajuato

tel.52-477-6885-248 / 249

Mizuho Bank México

Источник: https://www.mizuhogroup.com/americas/who-we-are/locations

Dear Customers:

As part of the continuing effort to help slow the spread of the coronavirus (COVID-19), Shinhan Bank America has temporarily adopted a number of preventative measures:

      1. Our Branch Office Hours have been temporarily adjusted (Until further notice)

Temporary Branch Business Hours (as of November 22, 2021)

Monday – Friday:  9:00 AM – 5:00 PM

Saturday    : Closed

      1. Trying to maintain social distancing. We may ask you to, also, keep the social distancing.
      2. We encourage you to use Drive Thru where applicable.

We continue to clean our branches and ATMs as often as possible.

To guard against phishing, don’t click on links in emails or texts. Instead, go directly to Shinhan website (www.shbamerica.com) or use our Mobile app.

Источник: https://www.shbamerica.com/

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    Website. (609) 452-2923. 3371 Us Highway 1. Lawrence Township, NJ 08648. From Business: Welcome to Bank of America in Lawrenceville, NJ, home to a variety of your financial needs including checking and savings accounts, online banking, mobile and…. 6.

New Jersey is your home. It’s ours, too. - Bank of America

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    As President of Bank of America New Jersey, I am proud that we have made a $1 billion, four-year commitment of additional support to help local communities address economic and racial inequality accelerated by the global pandemic. We will focus on assisting people and communities of color that have experienced the greatest impact from the .

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    Website. (201) 795-5915. 12 Path Plz. Jersey City, NJ 07306. From Business: Welcome to Bank of America in Jersey City, NJ, home to a variety of your financial needs including checking and savings accounts, online banking, mobile and text…. 3.

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Bank of America Financial Centers and ATMs in New Jersey

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    MLPF&S makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation. Bank of America Private Bank is a division of Bank of America, N.A., Member FDIC and a wholly owned subsidiary of Bank of America …Location: 100 North Tryon Street, Charlotte, 28255, NC

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    Bank of America Private Bank is a division of Bank of America, N.A., Member FDIC and a wholly owned subsidiary of Bank of America Corporation. Trust and fiduciary services are provided by Bank of America, N.A. and U.S. Trust Company of Delaware. Both are indirect subsidiaries of Bank of America …

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Источник: https://www.quidditch.org.au/b-office/bank-of-america-corporate-office-nj.html

Bank of America Corporate Office

They should stop this scam.

Mr.Brian Moynihan

Nov 23 at 10:52 PM

Message body

Bank of America Corporate Office Headquarters
100 N.Tryon St Charlotte,NC 28255
Our Ref:BOA/IRU/SFE/15.5/WD/011
United States of America
Monday-Friday
8 a.m.-9 p.m. Eastern Daylight Time(EDT)
Saturday and Sunday
8 a.m.-4 p.m. Eastern Daylight Time(EDT)
Customer service: (917) 503-1508

Dear esteemed customer,

The Management of the Bank of America Corporate Office Headquarters
here in 100 N.Tryon St Charlotte,NC 28255 wishes to inform you that
after a brief meeting held by the Bank executives yesterday,the 6
Day of NOV,2015 at precisely 8 a.m. Eastern Daylight Time(EDT),
we deem it appropriate to intimate you that your funds will be
transferred into the United States Treasury Account with the JP Morgan
Chase Headquarters at 270 Park Avenue in New York according to the
record we got from Africa due to your inability to complete the
transaction and your failure to meet up with a minor payment
obligation.The actual transfer of your funds($15,500,000.00) into the
government account comes up next week.

This is in line with the instructions of the USA Treasurer,Mrs.Rosa
Gumataotao Rios that all unclaimed funds be paid into the United
States Government Treasury Account as unserviceable funds in
compliance to section 3 subsection 1(a) of the United States Financial
Law enacted in 2001 after an attack on our dear country on September
11,2001.

Find below the profile of the banking institution where your funds
will be transferred into following the government directive:, And note
to responds to us with below

Name of Bank: JP Morgan Chase Headquarters at 270 Park Avenue in New York.
JP Morgan Chase Official Bankers for the United States Treasury Department
AC NO: 68302345093
Routing NO:021109593
Account Name:United States Treasury Department,USA

Note that if you still wish to receive your funds do get back to us
immediately so that we will remove your funds transfer from the list
of those transactions to be seized by the United States
Government.Also be informed that we need only a DIPLOMATIC IMMUNITY
SEAL OF TRANSFER(DIST) to complete the wire transfer.The fee to obtain
the SEAL was reduced from$600 to $100 and no other fee is involved.

You are required to send the fee of $100 by WESTERN UNION or MONEY
GRAM to the issuing officer at the bank where your transaction
originated as stated below:

INFORMATION

Receivers Name: MIKE ONWA
Country :Benin Republic
City: Cotonou
TEXT QUESTION——-ONE?
TEXT ANSWER———LOVE.
AMOUNT to send: $100
Sender’s name:
MTCN or REFERENCE Number Email the following: To ([email protected])

The name of the city from where the money was sent
If we receive the MTCN today,we will transfer your funds
($15,500,000.00) before we close office and the funds will reflect 3
hours after the transfer.We will send you all the transfer doXXXXents
to enable you start making cash withdrawals from your account same day
the funds are transferred.We have waited for so long and we cannot
continue to wait.

Thank you for giving us the opportunity to serve your banking needs.

Yours faithfully,
Mr.Brian Moynihan(CEO) Bank of America®Email ([email protected])
Tel (917) 503-1508Corporate Office Headquarters,Charlotte,N.C.Bank of America, N.A. Member FDIC.
© 2011 Bank of America Corporation. All rights reserved.AR72768/DD6A66

Источник: https://corporateofficehq.com/bank-of-america-corporate-office/

Justice News

Attorney General Eric Holder and Associate Attorney General Tony West announced today that the Department of Justice has reached a $16.65 billion settlement with Bank of America Corporation – the largest civil settlement with a single entity in American history ­— to resolve federal and state claims against Bank of America and its former and current subsidiaries, including Countrywide Financial Corporation and Merrill Lynch. As part of this global resolution, the bank has agreed to pay a $5 billion penalty under the Financial Institutions Reform, Recovery and Enforcement Act (FIRREA) – the largest FIRREA penalty ever – and provide billions of dollars of relief to struggling homeowners, including funds that will help defray tax liability as a result of mortgage modification, forbearance or forgiveness. The settlement does not release individuals from civil charges, nor does it absolve Bank of America, its current or former subsidiaries and affiliates or any individuals from potential criminal prosecution.

“This historic resolution - the largest such settlement on record - goes far beyond ‘the cost of doing business,’” said Attorney General Holder. "Under the terms of this settlement, the bank has agreed to pay $7 billion in relief to struggling homeowners, borrowers and communities affected by the bank’s conduct. This is appropriate given the size and scope of the wrongdoing at issue.”

This settlement is part of the ongoing efforts of President Obama’s Financial Fraud Enforcement Task Force and its Residential Mortgage-Backed Securities (RMBS) Working Group, which has recovered $36.65 billion to date for American consumers and investors.

“At nearly $17 billion, today’s resolution with Bank of America is the largest the department has ever reached with a single entity in American history,” said Associate Attorney General West. “But the significance of this settlement lies not just in its size; this agreement is notable because it achieves real accountability for the American people and helps to rectify the harm caused by Bank of America’s conduct through a $7 billion consumer relief package that could benefit hundreds of thousands of Americans still struggling to pull themselves out from under the weight of the financial crisis.”

The Justice Department and the bank settled several of the department’s ongoing civil investigations related to the packaging, marketing, sale, arrangement, structuring and issuance of RMBS, collateralized debt obligations (CDOs), and the bank’s practices concerning the underwriting and origination of mortgage bank of america new jersey corporate office. The settlement includes a statement of facts, in which the bank has acknowledged that it sold billions of dollars of RMBS without disclosing to investors key facts about the quality of the securitized loans. When the RMBS collapsed, investors, including federally insured financial institutions, suffered billions of dollars in losses. The bank has also conceded that it originated risky mortgage loans and made misrepresentations about the quality of those loans to Fannie Mae, Freddie Mac and the Federal Housing Administration (FHA).

Of the record-breaking $16.65 billion resolution, almost $10 billion will be paid to settle federal and state civil claims by various entities related to RMBS, CDOs and other types of fraud. Bank of America will pay a $5 billion civil penalty to settle the Justice Department claims under FIRREA. Approximately $1.8 billion will be paid to settle federal fraud claims related to the bank’s origination and sale of mortgages, $1.03 billion will be paid to settle federal and state securities claims by the Federal Deposit Insurance Corporation (FDIC), $135.84 million will be paid to settle claims by the Securities and Exchange Commission. In addition, $300 million will be paid to settle claims by the state of California, $45 million to settle claims by the state of Delaware, $200 million to settle claims by the state of Illinois, $23 million to settle claims by the Commonwealth of Kentucky, $75 million to settle claims by the state of Maryland, and $300 million to settle claims by the state of New York.

Bank of America will provide the remaining $7 billion in the form of relief to aid hundreds of thousands of consumers harmed by the financial crisis precipitated by the unlawful conduct of Bank of America, Merrill Lynch and Countrywide. That relief will take various forms, including principal reduction loan modifications that result in numerous homeowners no longer being underwater on their mortgages and finally having substantial equity in their homes. It will also include new loans to credit worthy borrowers struggling to get a loan, donations to assist communities in recovering from the financial crisis, and financing for affordable rental housing. Finally, Bank of America has agreed to place over $490 million in a tax relief fund to be used to help defray some of the tax liability that will be incurred by consumers receiving certain types of relief if Congress fails to extend the tax relief coverage of the Mortgage Forgiveness Debt Relief Act of 2007.

An independent monitor will be appointed to determine whether Bank of America is satisfying its obligations. If Bank of America fails to live up to its agreement by Aug. 31, 2018, it must pay liquidated damages in the amount of the shortfall to organizations that will use the funds for state-based Interest on Lawyers’ Trust Account (IOLTA) organizations and NeighborWorks America, a non-profit organization and leader in providing affordable housing and facilitating community development. The organizations will use the funds for foreclosure prevention and community redevelopment, legal assistance, housing counselling and neighborhood stabilization.

As part of the RMBS Working Group, the U.S. Attorney’s Office for the District of New Jersey conducted a FIRREA investigation into misrepresentations made by Merrill Lynch to investors in 72 RMBS throughout 2006 and 2007. As the statement of facts describes, Merrill Lynch regularly told investors the loans it was securitizing were made to borrowers who were likely and able to repay their debts. Merrill Lynch made these representations even though it knew, based on the due diligence it had performed on samples of the loans, that a significant number of those loans had material underwriting and compliance defects - including as many as 55 percent in a single pool. In addition, Merrill Lynch rarely reviewed the unsampled loans to ensure that the defects observed in the samples were not present throughout the remainder of the pools. Merrill Lynch also disregarded its own due diligence and securitized loans that the due diligence vendors had identified as defective. This practice led one Merrill Lynch consultant to “wonder why we have due diligence performed” if Merrill Lynch was going to securitize the loans “regardless of issues.”

“In the run-up to the financial crisis, Merrill Lynch bought more and more mortgage loans, packaged them together, and sold them off in securities – even when the bank knew a substantial number of those loans were defective,” said U.S. Attorney Paul J. Fishman for the District of New Jersey. “The failure to disclose known risks undermines investor confidence in our financial institutions. Today’s record-breaking settlement, which includes the resolution of our office’s imminent multibillion-dollar suit for FIRREA penalties, reflects the seriousness of the lapses that caused staggering losses and wider economic damage.”

This settlement also resolves the complaint filed against Bank of America in August 2013 by the U.S. Attorney’s Office for the Western District of North Carolina concerning an $850 million securitization. Bank of America acknowledges that it marketed this securitization as being backed by bank-originated “prime” mortgages that were underwritten in accordance with its underwriting guidelines. Yet, Bank of America knew that a significant number of loans in the security were “wholesale” mortgages originated through mortgage brokers and that based on its internal reporting, such loans were experiencing a marked increase in underwriting defects and a noticeable decrease in performance. Notwithstanding these red flags, the bank sold these RMBS to federally backed financial institutions without conducting any third party due diligence on the securitized loans and without disclosing key facts to investors in the offering documents filed with the SEC. A related case concerning the same securitization was filed by the SEC against Bank of America and is also being resolved as part of this settlement.

“Today’s settlement attests to the fact that fraud pervaded every level of the RMBS industry, including purportedly prime securities, which formed the basis of our filed complaint,” said U.S. Attorney Anne M. Tompkins for the Western District of North Carolina. “Even reputable institutions like Bank of America caved to the pernicious forces of greed and cut corners, putting profits ahead of their customers. As we deal with the aftermath of the financial meltdown and rebuild our economy, we will hold accountable firms that contributed to the economic crisis. Today’s settlement makes clear that my office will not sit idly while fraud occurs in our backyard.”

The U.S. Attorney’s Office for the Central District of California has been investigating the origination and securitization practices of Countrywide as part of the RMBS Working Group effort. The statement of facts describes how Countrywide typically represented to investors that it originated loans based on underwriting standards that were designed to ensure that borrowers could repay their loans, although Countrywide had information that certain borrowers had a high probability of defaulting on their loans. Countrywide also concealed from RMBS investors its use of “shadow guidelines” that permitted loans to riskier borrowers than Countrywide’s underwriting guidelines would otherwise permit. Countrywide’s origination arm was motivated by the “saleability” of loans and Countrywide was willing to originate “exception loans” (i.e., loans that fell outside of its underwriting guidelines) so long as the loans, and the attendant risk, could be sold. This led Countrywide to expand its loan offerings to include, for example, “Extreme Alt-A” loans, which one Countrywide executive described as a “hazardous product,” although Countrywide failed to tell RMBS investors that these loans were being originated outside of Countrywide’s underwriting guidelines. Countrywide knew that these exception loans were performing far worse than loans originated without exceptions, although it never disclosed this fact to investors.

“The Central District of California has taken the lead in the department’s investigation of Countrywide Financial Corporation,” said Acting U.S. Attorney Stephanie Yonekura for the Central District of California. “Countrywide’s improper securitization practices resulted in billions of dollars of losses to federally-insured financial institutions. We are pleased that this investigation has resulted in a multibillion-dollar recovery to compensate the United States for the losses caused by Countrywide’s misconduct.”

In addition to the matters relating to the securitization of toxic mortgages, today’s settlement also resolves claims arising out of misrepresentations made to government entities concerning the origination of residential mortgages.

The U.S. Attorney’s Office for the Southern District of New York, along with the Federal Housing Finance Agency’s Office of Inspector General and the Special Inspector General for the Troubled Asset Relief Program, conducted investigations into the origination of defective residential mortgage loans by Countrywide’s Consumer Markets Division and Bank of America’s Retail Lending Division as well as the bank of america new jersey corporate office sale of such loans to bank of america new jersey corporate office government sponsored enterprises Fannie Mae and Freddie Mac (the “GSEs”). The investigation into these practices, as well as three private whistleblower lawsuits filed under seal pursuant to the False Claims Act, are resolved in connection with this settlement. As part of the settlement, Countrywide and Bank of America have agreed to pay $1 billion to resolve their liability under the False Claims Act. The FIRREA penalty to be paid by Bank of America as part of the settlement also resolves the government’s claims against Bank of America and Countrywide under FIRREA for loans fraudulently sold to Fannie Mae and Freddie Mac. In addition, Countrywide and Bank of America made admissions concerning their conduct, including that they were aware that many of the residential mortgage loans they had made to borrowers were defective, that many of the representations and warranties they made to the GSEs about the quality of the loans were inaccurate, and that they did not self-report to the GSEs mortgage loans they had internally identified as defective.

“For years, Countrywide and Bank of America unloaded toxic mortgage loans on the government sponsored enterprises Fannie Mae and Freddie Mac with false representations that the loans were quality investments,” said U.S. Attorney Preet Bharara for the Southern District of New York. “This office has already obtained a jury verdict of fraud and a judgment for over a billion dollars against Countrywide and Bank of America for engaging in similar conduct. Now, this settlement, which requires the bank to pay another billion dollars for false statements to the GSEs, continues to send a clear message to Wall Street that mortgage fraud cannot be a cost of doing business.”

The U.S. Attorney’s Office for the Eastern District of New York, together with its partners from the Department of Housing and Urban Development (HUD), conducted a two-year investigation into whether Bank of America knowingly made loans insured by the FHA in violation of applicable underwriting guidelines. The investigation established that the bank caused the FHA to insure loans that were not eligible for FHA mortgage insurance. As a result, HUD incurred hundreds of millions of dollars of losses. Moreover, many of Bank of America’s borrowers have defaulted on their FHA mortgage loans and have either lost or are in the process of losing their homes to foreclosure.

“As a Direct Endorser of FHA insured loans, Bank of America performs a critical role in home lending,” said U.S. Attorney Loretta E. Lynch for the Eastern District of New York. “It is a gatekeeper entrusted with the authority to commit government funds earmarked for facilitating mortgage lending to first-time and low-income homebuyers, senior citizen homeowners and others seeking or owning homes throughout the nation, including many who live in the Eastern District of New York. In obtaining a payment of $800 million and sweeping relief for troubled homeowners, we have not just secured left airpod replacement 1st gen meaningful remedy for the bank’s conduct, but have sent a powerful message of deterrence.”

“Bank of America failed to make accurate and complete disclosure to investors and its illegal conduct kept investors in the dark,” said Rhea Kemble Dignam, Regional Director of the SEC’s Atlanta Office. “Requiring an admission of wrongdoing as part of Bank of America’s agreement to resolve the SEC charges filed today provides an additional level of accountability for its violation of the federal securities laws.”

“Today’s settlement with Bank of America is another important step in the Obama Administration’s efforts to provide relief to American homeowners who were hurt during the housing crisis,” said U.S. Department of Housing and Urban Development (HUD) Secretary Julián Castro. “This global settlement will strengthen the FHA fund and Ginnie Mae, and it will provide $7 billion in consumer relief with a focus bank of america new jersey corporate office helping borrowers in areas that were the hardest hit during the crisis. HUD will continue working with the Department of Justice, state attorneys general, and other partners to take appropriate action to hold financial institutions accountable and provide consumers with the relief they need to stay in their homes. HUD remains committed to solidifying the housing recovery and creating more opportunities for Americans to succeed.”

“Bank of America and the banks it bought securitized billions of dollars of defective mortgages,” said Acting Inspector General Michael P. Stephens of the FHFA-OIG. “Investors, including Fannie Mae and Freddie Mac, suffered enormous losses by purchasing RMBS from Bank of America, Countrywide and Merrill Lynch not knowing about those defects. Today’s settlement is a significant, but by no means final step by FHFA-OIG and its law enforcement partners to hold accountable those who committed acts of fraud and deceit.”

The attorneys general of California, Delaware, Illinois, Kentucky, Maryland and New York also conducted related investigations that were critical to bringing about this settlement. In addition, the settlement resolves investigations conducted by the Securities and Exchange Commission (SEC) and litigation filed by the Federal Deposit Insurance Company (FDIC).

The RMBS Working Group is a federal and state law enforcement effort focused on investigating fraud and abuse in the RMBS market that helped lead to the 2008 financial crisis. The RMBS Working Group brings together more than 200 attorneys, investigators, analysts and staff from dozens of state and federal agencies including the Department of Justice, 10 U.S. Attorneys’ Offices, the FBI, the Securities and Exchange Commission (SEC), the Department of Housing and Urban Development (HUD), HUD’s Office of Inspector General, the FHFA-OIG, the Office of the Special Inspector General for the Troubled Asset Relief Program, the Federal Reserve Board’s Office of Inspector General, the Recovery Accountability and Transparency Board, the Financial Crimes Enforcement Network, and more than 10 state attorneys general offices around the country.

The RMBS Working Group is led by Director Geoffrey Graber and five co-chairs: Assistant Attorney General for the Civil Division Stuart Delery, Assistant Attorney General for the Criminal Division Leslie Caldwell, Director of the SEC’s Division of Enforcement Andrew Ceresney, U.S. Attorney is flavored oatmeal good for you the District of Colorado John Walsh and New York Attorney General Eric Schneiderman.

Investigations were led by Assistant U.S. Attorneys Leticia Vandehaar of the District of New Jersey; Dan Ryan and Mark Odulio of the Western District of North Carolina; George Cardona and Lee Weidman of the Central District of Carolina; Richard Hayes and Kenneth Abell of the Eastern District bank of america new jersey corporate office New York; and Pierre Armand and Jaimie Nawaday of the Southern District of New York.

Learn more about the RMBS Working Group and the Financial Fraud Enforcement Task Force at: www.stopfraud.gov

Related Materials:

Settlement Agreement
Annex 1 - Statement of Facts
Annex 2 - Consumer Relief
Annex 2 - Exhibit 1 - Loan List
Annex 2 - Exhibit 2 - Model VA Agreement
Annex 3 - Tax Fund
Annex 4 - Transaction List
Exhibit A--FDIC
Exhibit B - SEC Bank of America Settlement Documents

Источник: https://www.justice.gov/opa/pr/bank-america-pay-1665-billion-historic-justice-department-settlement-financial-fraud-leading
bank of america new jersey corporate office

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