Peoples Financial Services is a bank holding company specializing in financial and business planning, investment advice, and insurance. It operates through its subsidiary, Peoples Bank, including its subsidiary, Peoples Advisors. Peoples Bank is a state-chartered bank and trust company. Peoples Advisors provides investment advisory services through a third party to individuals and small businesses; it also provides an array of wealth management products and services, which include investment portfolio management, estate planning, annuities, business succession planning, insurances, education funding strategies, and tax planning. The company offers credit card processing and a range of other products and services to merchant customers, including small business checking accounts, merchant money market account, online banking, telephone banking, business credit cards, merchant line of credit, business profitability and peer analysis, and financial checkup.