St. James's Place Bank provides a safe place for UK customers stash their cash. The bank offers checking accounts, savings accounts, and mortgage loans to personal finance customers throughout the UK. The company also manages investment funds on behalf of clients, and it provides an array of financial services including account structuring consultations, online and phone-based account management, information security systems, and fraud protection. St. James Place Bank is a subsidiary of Lloyds Banking Group, which is itself a part of the Bank of Scotland organization.