Bank of America Corporation, operating globally through its various divisions, offers a comprehensive suite of banking and financial solutions to a broad spectrum of clients, including individual customers, small and mid-sized companies, institutional investors, major corporations, and governmental entities. The Consumer Banking division caters to individuals with a range of deposit options like standard and money market savings, certificates of deposit (CDs), and IRAs, alongside checking accounts that may or may not accrue interest. It also issues credit and debit cards, facilitates residential mortgages and home equity lending, and provides various direct and indirect consumer loans, such as those for vehicles or personal use.