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Learn More about Banks, Banking and Types of Banks
Banks are institutions designed to safeguard money, provide credit and loans, offer payment services like checking accounts, cashier’s checks and debit cards. Banks also offer insurance products and investment options. Much of the traditional distinction between banks, securities firms and insurance companies has diminished and banks have begun to offer a wider variety of options. In spite of these changes banks still perform and maintain their primary role of accepting deposits and lending money.
Banking has two parts monetary authorities, central bank, and depository credit intermediation. The U.S. Federal reserve system is the United States central bank. The Federal Reserve manages the Nation’s money supply and international reserves, holds reserve deposits from domestic banks and the central banks of other countries. The Federal Reserve also issues the dollars we use as currency. The credit intermediation and other related services provides banking services to consumers and businesses. It secures the money of the depositors, provides debit car and checking services and lends money to consumers and businesses through car loans, investment loans, mortgages, lines of credit and credit cards.
There are three basic types of banks: commercial banks, credit unions and savings and loan associations. Although some of the differences in these types of banks has lessened recently there are the key differences. Commercial banks offer a full range of services for governments, individuals and businesses. They come is a variety of sizes including small community banks, large global banks and mid-size regional banks. Global banks offer typical banking services as well as foreign currency exchanges and international lending. Regional banks often have many different branches and ATMs, in a multi-state region to provide banking services to individuals and local businesses. Community banks are locally based and have only a few branches. Online banks have begun to grow in success and offer financial services entirely over the internet.
Credit Unions are a depository institution that are formed by people with a common bond such as a community, job, or union. Only people with this bond can become members. Savings accounts and loans are restricted to members. Credit Unions are nonprofit organizations that are governed by a board elected by the members.
Savings banks and savings and loan associations are also called thrift institutions and are the second largest group of depository institutions. They were first established as community-based institutions to finance mortgages so people could buy homes and these institutions still cater to the savings and lending needs of the consumers. The distinctions between savings banks and commercial banks has largely disappeared. If you are interested in learning more about banking and Finance we offer thousands of answers to questions and much more.
About the Author
Brittany Stanzas is a professional freelance writer.
Who’s Afraid of the Big Bad Bank? An Uncensored Investigation of the US Federal Reserve -1 of 8
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Jelly Belly Mini Bean Machine with 3.25oz Bag of Jelly Beans $14.99 Just like the candy and gum machines we used to see in the bank lobbies and 5 & 10-cent stores of our youth! Insert a coin–penny, nickel, dime or quarter–and twist the knob to dispense a sampling of your favorite small candies. Coins can be retrieved from bank in base. 9.5″ tall; 1.5 lb. capacity. Includes a 3.25-oz. bag of original Jelly Belly beans and a “recipe” guide for tasty flavor combo… |
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Candyrific M&M Large Dispenser with Candy, 2.14-Ounce, (Colors May Vary) $10.74 (12″ X 5 “) Comes with M&M’s Candies inside. 4-Fun Size Packs… |
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Miller Lite Super Sized Bottle Bank $14.98 Add your spare change to this beer bottle coin bank every single day and before you know it, you’ll be able to buy more Miller Lite than you’ll even know what to do with! Novelty piggy banks are always fun and this one is cooler than most. Not only is it ridiculously big (when you’re collecting change size totally matters), it looks just like the real thing. Whether you’re saving up for something … |
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Stravinsky – The Rake’s Progress $29.99 Igor Stravinsky’s The Rake’s Progress occupies two worlds. The story, the ironically moralizing attitudes, and many musical and verbal details are inspired by the 18th century. But it is modern in rhythm and harmony and in its psychology–Freudianism and existentialism in a powdered wig. Each production must find its own balance between these polarities, and this crisp, stylish treatment, tap… |
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H.F.M.2 (Hunger For More 2): Deluxe Edition with 2 Bonus Songs & XL T-Shirt For almost a decade Southside Queens native, Lloyd Banks, has been revered as line-for-line one of the most preeminent emcees in hip hop. Banks-aka “The Punch Line King” returns with The Hunger For More 2, a sequel to his 2004 classic debut. Guest features include: Kanye West, Akon, Fabolous, Ryan Leslie, Jeremih, Raekwon, Pusha T, Styles P, 50 Cent and Tony Yayo. This deluxe edition features an X… |
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Fire and Ice Large Format Collection (The Eruption of Mount St. Helens, Ring of Fire & Genesis) $67.99 This documentary on the May 1980 eruption of Washington’s Mount St. Helens volcano does a fine job of explaining why the mountain exploded, but what distinguishes this production is its spectacular cinematography. Originally shown in IMAX theaters, this film presents highly detailed and lavish views of the gorgeous scenery of the Pacific Northwest, both as they appeared before the top 1,300 feet … |
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The Best Man [VHS] $2.26 A glossy romantic comedy, The Best Man centers on four college friends and the women in their lives, all brought back together for a wedding. Taye Diggs (How Stella Got Her Groove Back) plays the title character, a young writer whose first novel is a barely fictionalized account of his college days, featuring barely fictionalized versions of all his friends. This novel hasn’t yet been released, bu… |
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Large Format – Ring of Fire [VHS] $29.99 … |
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The Best Man [VHS] $9.98 A glossy romantic comedy, The Best Man centers on four college friends and the women in their lives, all brought back together for a wedding. Taye Diggs (How Stella Got Her Groove Back) plays the title character, a young writer whose first novel is a barely fictionalized account of his college days, featuring barely fictionalized versions of all his friends. This novel hasn’t yet been released, bu… |
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Moroccan Oil Hair Treatment 3.4 Oz Bottle with Blue Box $29.99 MoroccanOil is an oil treatment for all hair types. Moroccan Oil is alcohol-free and has a patented weightless formula with no build up. Softens thick unmanageable hair and restores shine and softness to dull lifeless hair. Instantly absorbed into the hair. Moroccan Oil will help eliminate frizz, speeds up styling time by 40%, and provides long-term conditioning to all hair types. Moroccan Oil con… |
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The Station Agent (DVD) $6.92 When his friend and coworker suddenly dies, train enthusiast Finbar McBride (Peter Dinklage) inherits an abandoned railway station in rural New Jersey. A dwarf who avoids social contact whenever possible, Fin treks out to the property and moves in. How… |
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Pete Smalls Is Dead (DVD) $15.57 Years after Hollywood nearly bled him dry, desperate KC Munk (Peter Dinklage) returns to L.A. to bid an old friend goodbye, and find the $10,000 he needs to repay the ruthless loan shark who just stole his beloved dog Buddha. KC borrowed a tidy sum of … |