Bank On It is a bank holding company that operates a wholly-owned subsidiary, Community Bank of San Joaquin, which is a financial institution that offers various personal and business banking options for individual and corporate clients. The bank provides online and telephone banking services, as well as maintains a network of ATMs that offers clients access to account balances and online funds transfers. It offers regular and health savings and interest-bearing and money market checking accounts and savings and retirement plans. Community Bank of San Joaquin provides travelers checks and foreign currencies, as well as commercial lending and equipment leasing services. Additionally, the bank maintains online mortgage and retirement calculators.