Located in New York City, Bank of Scotland is a full-service financial institution that provides a wide range of products and services, including checking and savings accounts, credit cards, Internet banking and online bill payment services. The bank also offers certificates of deposit and commercial, installment, automobile, real estate mortgage and home modernization loans. Bank of Scotland provides travelers checks, banking by mail, after-hours depositories, savings bonds and safe deposit boxes. The bank also offers investments and insurance, including individual retirement accounts and life and disability insurance. Bank of Scotland provides a range of investment solutions, products and services, including tax-deferred annuities, life insurance planning, college funds and portfolio evaluations.