Banking Services

Automated teller machines (ATMs) and bank cards

A bank card and an ATM allow you 24-hour access to your accounts, although services and withdrawal amounts are limited.

Debit cards

Debit cards are used much like checks. When you make a purchase with a debit card, money is electronically deducted from your account and credited to the seller's account. Many stores let you use your ATM card as a debit card.

Credit cards

You can obtain a credit card that is directly linked to your bank account. Payments are automatically withdrawn from your bank account, making payment of your credit card bill more convenient.

Overdraft privileges

Your bank may give your checking account a small line of credit to protect you from bouncing checks.

Electronic banking

Using a computer and a modem, you can do much of your banking without entering a bank.

Direct deposit

You can move money directly from one account to another by authorizing a wire transfer.

Automatic withdrawal

You can arrange to have your regular bills, such as your car payment, deducted directly from your account.

Wire transfers

Your employer can credit your pay directly to your account, giving you speedy access to your earnings.

Business and consumer loans

Banks can help you finance your education, automobile purchase, or other large purchase.

Investment services

You can purchase stocks through the brokerage services now offered by many of the larger commercial banks.

Safe deposit boxes

You can secure important documents and valuables by renting a safe deposit box, which is kept in the bank's vault.