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Wachovia Bank is a financial institution that provides a range of lending and depository products. The bank maintains more than 11,000 branches and over 12,000 ATMs across North America and worldwide. It offers checking, money market, individual retirement and savings accounts, as well as certificates of deposit. Wachovia Bank also provides auto, personal, education and home equity loans. In addition, the bank offers gift, debit and credit cards. It provides direct deposit, overdraft protection, and Internet and telephone banking services. Wachovia Bank additionally offers investment and asset management and estate and financial planning solutions through Wachovia Wealth Management. The bank is a member of the Federal Deposit Insurance Corporation and an Equal Housing Lender. It is a part of Wells Fargo & Company, which is a publicly traded financial service firm.