W.T.B. Financial Corporation operates as the bank holding company for Washington Trust Bank that provides banking, fiduciary, asset management, mortgage banking, and other financial services to corporate and individual customers. The company's deposit products include checking, savings and money market, health savings, and retirement and individual retirement accounts, as well as certificates of deposit. It also offers credit and debit cards; home, auto, term, home equity, inventory, accounts receivable, debt refinancing, and toy loans; home equity, revolving, and personal lines of credit; equipment lending, commercial real estate, agriculture, and SBA lending services; digital wallets; mortgage loans, such as first-time home buyers, manufactured home loans, refinance, and jumbo loans; and financial education services. In addition, the company provides personal and business cut-off times, wire transfer, bill payment, fraud detection, online and mobile security, fraud prevention, and identity and overdraft protection services; and investment services, including retirement planning, mutual funds, stock and bonds, life and long-term care insurances, annuities, brokerage services, fee-based planning, and education funding. Further, it offers merchant and remote deposit capture services; trade finance products comprising documentary letter of credit and collection products; standby letters of credit; foreign exchange products, such as forward contracts, foreign drafts, foreign check clearing, and foreign currency banknotes; foreign accounts receivable insurance and SBA export loan guaranty programs; and international trade loan, export express, and export working capital services. Additionally, the company provides digital banking services; investment management, charitable and nonprofit administration, estate settlement, trust administration, family office, employee benefits administration, and custody services, as well as portfolio management services; and online and mobile banking services. The company was founded