Royal Bank of Scotland is full-service bank that is headquartered in the United Kingdom. The bank offers multiple banking, financial and investment services and products for economic development of local communities, individuals, institutions, and organizations and associations. It provides money market, business checking and savings accounts and mortgage, commercial, personal and home equity loans, as well as treasury and asset planning and tax and estate management services. Royal Bank of Scotland provides deposit certificates, bonds, securities, insurance and retirement plans, and commercial lending and financing solutions. The bank's Web-based services include electronic bill payment, wire transfers, money transfer between accounts and statements by e-mail.