U.S. Bancorp, a financial services holding company, provides various banking and financial services in the United States. The company offers depository services, such as checking accounts, savings accounts, and time certificate contracts. Its loan portfolio includes residential mortgages and credit card loans; and retail loans, such as revolving consumer lines, auto loans and leases, second mortgages, student loans, and home equity loans and lines. In addition, the company provides wholesale and asset-backed lending, agricultural finance, equipment finance and small-ticket leasing, depository, treasury management, capital markets, foreign exchange, and international trade services to middle market, large corporate, commercial real estate, financial institution, and public sector customers; and telephone and mobile banking, online services, direct mail, and automatic teller machine(ATM) processing services. Further, it offers private banking, financial advisory, investment management, retail brokerage, insurance, trust, mutual fund servicing, and custody services; and payment services comprising consumer and business credit cards, stored-value cards, debit cards, corporate and purchasing card services, consumer lines of credit, and merchant processing services. As of June 30, 2012, the company operated 3,080 banking offices in 25 states and 5,085 ATMs. It serves individuals, businesses, institutional organizations, governmental entities, estates, foundations, and charitable organizations. U.S. Bancorp was founded in 1863 and is headquartered in Minneapolis, Minnesota.