Established in 1863, Hamlin Bank and Trust Company is a full-service financial institution that offers various personal and commercial investment and lending solutions. The bank provides checking, savings and individual retirement accounts. Its range of products includes automobile, home equity, construction and commercial mortgage loans. Hamlin Bank and Trust Company also issues certificates of deposit. It offers telephone and online banking services, as well as loan calculators. In addition, the bank provides ATM and debit cards for its account holders. Hamlin Bank and Trust Company offers trust services, including estate settlement and investment management. It is a member of the Federal Deposit Insurance Corporation and an Equal Housing Lender.