Clayton Bank and Trust is a full-service financial institution that provides a range of personal and business banking services. The bank offers an online calculator to help clients calculate monthly deposit payments. Clayton Bank and Trust provides checking, money market and savings accounts and certificates of deposit. The bank offers home equity, construction, mortgage and small business loans. Clayton Bank and Trust additionally provides online banking services. Established in 1889, the bank offers credit and debit cards and ATMs. Clayton Bank and Trust is a part of Clayton Bancorp, which also operates a network of various financial institutions throughout Tennessee, including American City Bank and Bank of Camden.