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Marissa Doria
      Block 3
Federal Reserve System
 Supervises and regulates member banks and helps
 banks serve the public efficiently
   They hold...
The Way the Banking System
Works
 Build Homes
 Start New Businesses
 Plant Crops
 Finance Educations
 Buy Goods
 Pav...
Commercial Bank
 It is the most common way for a bank to be organized
 They are often called full service banks because ...
Credit Union
 User-owned, not-for-profit, cooperative financial
 institution
   Examples: When a person deposits money a...
Four Factors that go into deciding
which Bank to Use
 Safety
 Convenience
 Fees and Charges
 Restrictions
Popular Banks in North Carolina
 Bank of America
 Wachovia
 Bank of North Carolina
 Sun Trust
Electronic Banking
 Use of computers and other technology for banking
  activities
 EFT is useful because it allows the ...
Credit Card vs. Debit Card
 Credit Cards are borrowing from the bank to pay later
 Debit card or a cash card is used for...
Automatic Bill Payment
 Requires a bank customer to authorize preset amounts
  of monthly expenses
 It is useful because...
Service Charge and Bank
Reconciliation
 Banks have to take money in order to make their
  money
 Fee a bank charges for ...
Stop Payment Order and Stored
Value Card
 Written notice that tells the bank not to pay a certain
  check
 Stored Value ...
Signature Card
 Opening your checking account starts with signing a
  signature card
 It verifies your signature
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Banking

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Banking

  1. 1. Marissa Doria Block 3
  2. 2. Federal Reserve System  Supervises and regulates member banks and helps banks serve the public efficiently  They hold reserves  Clearing checks in different cities: Paying of checks among different banks in different cities
  3. 3. The Way the Banking System Works  Build Homes  Start New Businesses  Plant Crops  Finance Educations  Buy Goods  Pave Streets  Invest for Retirement  Build Hospitals  Buy New Business Equipment
  4. 4. Commercial Bank  It is the most common way for a bank to be organized  They are often called full service banks because they offer a wide variety of financial services  Examples: Savings Department, Trust Department and Real Estate Department
  5. 5. Credit Union  User-owned, not-for-profit, cooperative financial institution  Examples: When a person deposits money and The National Credit Union Administration
  6. 6. Four Factors that go into deciding which Bank to Use  Safety  Convenience  Fees and Charges  Restrictions
  7. 7. Popular Banks in North Carolina  Bank of America  Wachovia  Bank of North Carolina  Sun Trust
  8. 8. Electronic Banking  Use of computers and other technology for banking activities  EFT is useful because it allows the customer many financial services
  9. 9. Credit Card vs. Debit Card  Credit Cards are borrowing from the bank to pay later  Debit card or a cash card is used for ATM transactions  Banks would prefer you use a debit card
  10. 10. Automatic Bill Payment  Requires a bank customer to authorize preset amounts of monthly expenses  It is useful because the bank deducts the payments from your account and transfer them to the appropriate companies
  11. 11. Service Charge and Bank Reconciliation  Banks have to take money in order to make their money  Fee a bank charges for handling a checking account  Bank Reconciliation—Document created to show how the two balances were brought into agreement
  12. 12. Stop Payment Order and Stored Value Card  Written notice that tells the bank not to pay a certain check  Stored Value Card—Prepaid cards for phone services, transit fares, highway tolls, laundry service and school lunches are common. You can recharge with an additional amount
  13. 13. Signature Card  Opening your checking account starts with signing a signature card  It verifies your signature

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