Personal Banking comprises consumer loans, mortgages, retail financing (including auto financing), direct/auto-pay options, CDs, MMAs and other financial and credit related products.

Premium Financing gives the high-net-worth client the ability to obtain life insurance, but defer premium payments or pay them in monthly installments. The major benefit of this is that cash flow is improved and made available for high-yield investments that generate greater wealth.

A Certificate of Deposit (CD) is a type of savings account that pays higher interest rate than a standard savings account. The deposit is documented by a certificate that specifies the dollar amount, the maturity date and the interest rate. The deposit remains with the bank for a set period of time, ranging from a few weeks to several years. There are normally penalties for early liquidation or withdrawal. CDs are a very low-risk savings vehicle, as they are insured by the Federal Deposit Insurance Corporation (FDIC) up to $100,000. This means that even if the bank goes out of business the depositor can still retrieve their money.

A Money Market Account (MMA) is a type of savings account that pays a higher rate of interest than a traditional savings account. Although MMAs can usually be liquidated at any time without penalty, most have a stipulated number of withdrawals per period, for example, two per month. Money Market Accounts are considered to be very low-risk, as they are insured by the Federal Deposit Insurance Corporation (FDIC) up to $100,000. This means that even if the financial institution goes out of business the depositor can still retrieve their money.