Full-Service Banking & Advisory Suite

Comprehensive Financial Solutions for Every Strategic Need

From bespoke Private Wealth Management and Treasury Services to Global Wire Transfers, Asset Protection, and Corporate Escrow—we provide end-to-end financial precision.

Explore All Services Wealth Growth Estimator

FEDERAL WESTERN

PRIVATE WEALTH PORTFOLIO

Assets Under Advisory

$2,850,000.00

Strategy Tier

Balanced Growth & Preservation

Advisor

Dedicated Senior Officer

Global Transfers

140+ Currencies Supported

Private Banking

24/7 Concierge Direct Desk

World-Class Capabilities

Our Specialized Service Portfolio

Tailored banking, wealth, and commercial services designed for personal success and enterprise scalability.

Wealth & Asset Advisory

Bespoke portfolio management, estate planning, and multi-generational capital preservation strategies with personalized advisor support.

Custom Equity & Fixed Income Portfolios
Estate Tax Mitigation & Trust Services
Direct Line to Certified Financial Planners

Schedule Wealth Review

Exclusive Tier

Private Concierge Banking

VIP financial privileges including direct relationship managers, priority wire desk clearance, and customized credit solutions.

Dedicated 24/7 Relationship Manager
Preferred FX rates & zero foreign transaction fees
High-limit metal debit & credit privileges

Apply for Private Status

Global Treasury & FX

Seamless cross-border transaction routing, foreign currency accounts, letters of credit, and automated corporate cash sweep tools.

SWIFT & FedWire Real-Time Settlement
Multi-Currency Holding Accounts (USD, EUR, GBP)
Commercial Letters of Credit & Trade Escrow

Consult Treasury Officer

Commercial Escrow & Custody

Independent third-party escrow structures for real estate acquisitions, corporate M&A deals, and major asset holds.

Merchant Payment Processing

Next-day settlement card processing, mobile point-of-sale hardware, and developer-friendly online payment gateways.

Retirement & IRA Solutions

Traditional & Roth IRAs, employer 401(k) plan management, and tax-deferred annuity products tailored for long-term growth.

Strategy Forecast

Project Your Managed Portfolio Growth

See how TRUSTCO ONLINE BANK’s disciplined asset allocation strategies can compound your wealth over time.

Fiduciary Commitment

We operate under a strict fiduciary standard, prioritizing your wealth preservation and growth above all else.

Wealth Accumulation Calculator

Initial Advisory Portfolio ($) $100,000

Annual Contribution ($) $12,000

Expected Annual Return (%) 7.5%

Investment Period (Years) 10 Years

Projected Portfolio Value

$379,350

Start Wealth Plan

Service Breakdown

Compare Financial Service Tiers

Discover the dedicated features and privileges available across our account tiers.

Service Features	Standard Service	Premier Wealth	Private Concierge
Min. Relationship Balance	$1,000	$100,000	$1,000,000+
Wire Transfer Fees	$15 Domestic / $30 Global	5 Free / Month	Unlimited Free Wires
Dedicated Wealth Advisor	General Support	Regional Specialist	Direct Senior Officer
FX Rates & Currency Exchange	Standard Rates	Preferred Rates (-0.5%)	Institutional Wholesale Rates
Estate & Tax Advisory	Not Included	Annual Consult	Comprehensive Management
Airport & Event Concierge	No	No	Full Global Access

Bespoke Financial Guidance

Dedicated Advisors Dedicated to Your Financial Vision

Experience the advantage of having a personal financial partner. Our seasoned advisors bring deep market insights, risk mitigation strategies, and customized wealth structuring directly to you.

Capital Preservation

Institutional risk management protocols guarding your assets.

24/7 Priority Support

Direct phone and secure messaging channel to your relationship desk.

Schedule Consultation Access Client Portal

Frequently Asked Questions

Services & Advisory FAQs

How do I qualify for Federal Western Private Concierge Services?

Private Banking status is extended to clients maintaining a combined relationship balance of $1,000,000 or more across checking, savings, treasury, or investment accounts at TRUSTCO ONLINE BANK.

What international wire services and FX currencies are supported?

We support wire settlements in over 140 currencies across SWIFT and domestic clearing networks. Same-day execution is available for standard foreign currencies including EUR, GBP, CAD, JPY, and CHF.

Are my wealth management and custody assets FDIC insured?

Deposit accounts are FDIC insured up to $250,000 (and up to $25M via IntraFi sweep networks). Investment advisory assets are held with top-tier qualified custodians and protected under SIPC coverage up to applicable regulatory limits.