The ground level retail arcade was renovated around 1990, and runs through the entire building with entrances on Clark, Jackson, and LaSalle.
The main entrance is an Ionic portico, which complements the Corinthian and Doric columns of its neighboring buildings.
A grand three-story banking hall rises from the second floor, ringed by 28 large marble columns.
Encircling the banking hall above the pillars is a frieze by Jules Guerin titled "A Testimonial to World Trade". It depicts symbolic figures representing different nations, with the World Columbian Exposition as a background.
On 11 October 1883, at the Grand Pacific Hotel on the site of this building, the four time zones of the continental United States were formally adopted at a meeting of railroad industry leaders.