Whittier Trust Company is not a traditional commercial retail bank that issues standard checking accounts or everyday consumer loans for the general public. Instead, it operates as a premier wealth management firm, multi-family office, and trust company specializing in customized investment management, fiduciary services, wealth planning, and philanthropic administration for high-net-worth individuals, families, and foundations. While it provides specialized financial custody and asset management services, its core business model differs fundamentally from high-street commercial banks, focusing exclusively on comprehensive private wealth stewardship rather than mass-market retail banking.