The powerfully sculpted form of this 57-story Art Deco tower is a result of the polygonal shape of the site, as well as the need to accommodate the headquarters of two different banks. The verticality of the tower’s shaft is accentuated by metal spandrel panels and the gray brick vertical piers. The colossal heads which survey the street from the parapet of the nineteenth-floor setback represent the giants of finance (seven scowling, seven smiling). The figures actually hide the exhaust pipes of the air circulation system.

Elaborate street-level bronze grilles cover the lower parts of the windows of the banking halls. Each grille presents an allegory of a field of science or the arts. The entrance to the banking hall at the corner of Exchange Place and William Street is especially handsome. Inset panels of the doors and the cylindrical cover for the revolving-door depict modes of transport throughout history.

Inside, the reception and the banking halls have the air of a 1930s movie set, employing vivid rich-hued marbles and elaborate mosaic to brilliant effect. The impressive domed rotunda and grand staircase once lead to the main banking hall and senior officers room.