Bank of America is an American publicly owned multinational financial services holding company headquartered at the Bank of America Corporate Center in Charlotte, North Carolina. The contemporary corporate entity was founded on September 30, 1998, through the historic merger of NationsBank and the legacy BankAmerica Corporation. Operating as one of the "Big Four" banking institutions in the United States, the firm provides a diversified range of commercial banking, wealth management, asset management, global corporate and investment banking, and insurance products to individual consumers, small businesses, institutional investors, and large corporations worldwide.