text: The  lobby, at the same level as the raised plaza, had a footprint slightly smaller than the floors above it and was surrounded by a plate-glass wall. There are numerous revolving doors to the south and west. Originally, there was a mezzanine for the loan offices, which was removed by the 1990s. Inside the lobby are six elevator banks, surrounded by travertine walls. The concourse, directly below the lobby, was accessed from Liberty Street. Chase's main branch, beneath 28 Liberty Street's plaza, was accessed from the concourse and was lit by a oval  recess surrounded by a transparent barrier. Also on the concourse was a meeting room, a foyer, and a messenger's room. Passageways in the concourse led to the three surrounding subway stations.
  The floors beneath the plaza are much larger, covering the entire lot with a combined area of . There are five basement levels below the concourse. The first basement level was used mainly as a lower lobby and a banking floor. There was also dining and kitchen space on the first and second basements; printing, tabulating, and mechanical spaces on the third basement; check handling on the fourth basement; and vaults on the fifth basement. A truck ramp descends to the second basement;  the truck entrance, as well as ventilation grates for air intake and outflow, are on the Liberty Street side, below the raised plaza. There is also a pedestrian entrance on the William Street side, below the plaza, which leads to the eastern part of the concourse. According to Architectural Forum, the fifth basement had a "bank vault nearly the size of a football field", which sorted $35 billion worth of securities (equivalent to $ billion in ) and covered about half the site.