First Republic Bank is a division of Merrill Lynch Bank and Trust Company, which offers private banking and wealth management services and products to individuals, institutions and businesses. First Republic Bank provides a variety of products through lending, investment, trust and business banking segments. The bank offers 24-hour banking service through the Internet, telephone and multibranch locations. It provides private business banking, real estate lending, wealth management and trust services through a team of experienced financial professionals. First Republic Bank offers checking, savings, money market and retirement accounts; home equity, mortgage, commercial and personal loans; deposit certificates and insurance plans; and asset and wealth management solutions. In addition, the bank offers community service through monetary contributions to nonprofit organizations and activities. It supports the National Foundation for Teaching Entrepreneurship, San Francisco's Raphael House and Habitat for Humanity.