Union Bank, N.A., a commercial bank, provides financial services to businesses and individuals. It offers checking accounts, savings accounts, individual retirement accounts, and certificates of deposit. The company also provides private banking, business financing, home equity, mortgage, vehicle loans, and credit cards. In addition, it offers investment and financial management, trust, insurance, global custody, trust and estate plan administration, and deposit and cash management services. Further, the company provides online banking and telephone banking services. It serves consumer, small businesses, middle market, real estate, corporate, correspondent, and trade finance, as well as communications, media, entertainment, energy, public utility, retailing, and other specialty industries. The company was founded in 1864 as The Bank of California, N.A. and changed its name to Union Bank of California, N.A. in 1996. The company is headquartered in San Francisco, California with additional offices in Oregon and Washington. Union Bank, N.A operates as a subsidiary of UnionBanCal Corporation.