Bank Services
PERSONAL BANKING
Christiana Bank & Trust offers a wide variety of products and services for both your personal and business banking needs. Visit the Personal Banking page for more information.
BUSINESS BANKING
When it comes to our business customers, we think differently about what we do and the people we do it for. We look beyond our clients' immediate needs and see their dreams, taking the time to really understand their business and how to take them further. This isn't just about providing great service. It's about being partners with our clients, going beyond the expected level of service and believing that, together, we can do something special.
We offer products and technology that meet or exceed those offered by banks many times our size, plus an unparalleled level of personal service and attention to detail. Beyond traditional business services like checking, savings and loans, we also offer many innovative products like international trade and cash management.
Our Business Banking products and services include:
- Checking and savings accounts
- Moneymarket accounts
- Commercial loans and lines
- Commercial mortgages and construction loans
- Online banking and bill payment
- Business Checkcards and Credit Cards
- Phone banking
- Specialty Banking Units:
- Cash Management
- Government Banking
- Commercial leasing
- International Trade Services
- SBA Lending
- Manufacturing Group
Private Banking
The bank provides a unique blend of asset management, customized lending and deposit services to its customers. There are no "off the shelf" products which must be accepted "as is." Rather, we design personal banking services to fit your needs. We create these products and services with rapid onsite approval and terms that are acceptable to the customer. There are no out-of-town committees to deal with. Your private banker is an empowered professional with at least twenty years of experience in lending or asset management. We can easily coordinate all your borrowing needs with your investment management objectives and link them through your deposit accounts.
Private Banking Services Include:
- Personal Loans
- Business Loans
- Home Equity Loans and Lines
- Residential Mortgage Loans
- Accumulative Loans
- Specialized Deposit Sweep Accounts
- Asset Management
The Wilmington Office
A convenience for Lawyers, Accountants and their Clients
Our beautiful building at 1314 King Street is in the heart of town where law and accounting firms predominate. Custom services for our professional clients include use of our conference room facilities for real estate closings and other transactions.
Asset Managment
Our Asset Management Business Group provides fiduciary, agency and investment services to individuals, families, corporations, and institutions that seek to take advantage of Delaware's unique laws. Our clients benefit from a Delaware bank that provides a high-level of client service delivered by experienced professionals. Christiana Bank & Trust Company provides solutions to customers' needs in a flexible and cost efficient manner.
Trust Services
With its unique regulatory and legal climate, Delaware has long been the State of choice for forming Trusts. We offer our customers access to Delaware-based services, including banking, custody and investment management services, so they can take advantage of Delaware's liberal body of trust, corporate and tax law. Visit the Christiana Bank Delaware Trust Services page for more information.
Mortgage Services
We originate standard home mortgages, which conform to Federal National Mortgage Association (FNMA) standards. These loans are generally closed and servicing is retained by a correspondent mortgage banker. These loans currently have market rates of interest. Additionally, we originate and retain customized mortgage loans for customers who do not conform to FNMA standards. These are generally larger loans and are made on terms agreed upon by the customer and the bank. These loans are held in the bank until maturity.