The ground-floor lobby is composed of two perpendicular arcades, a west-east corridor from Broadway to Nassau Street and a north-south corridor from Pine to Cedar Streets. All four entrances contained bronze revolving doors. The lobby has a pink marble floor, sand-colored marble walls, and a vaulted, coffered ceiling. The corridors are wide, while the ceiling ranges from tall at the edges to tall at the center. The ceiling is designed in patterns of octagons and squares. Also in the lobby are the elevators, which contain marble-and-bronze doors and are located in the central section of the "H". Banking spaces and storefronts are also located on the ground floor, accessible from the lobby. To the southeast and northwest, marble stairs with balustrades lead to the basements and second floor.