Identify basic banking services for individuals and businesses.

Identification of basic banking services may include

• managing depositor accounts (e.g., checking, savings, credit card, student accounts)
• accepting deposits
• handling withdrawals
• offering convenient alternatives to checking (e.g., automated teller machine [ATM], electronic funds transfer [EFT], debit card)
• lending money
• storing valuables
• providing access to financial advice
• providing access to investment services (e.g., certificate of deposit [CD], individual retirement account [IRA], stocks, bonds, mutual funds)
• providing depositor protection (e.g., Federal Deposit Insurance Corporation [FDIC], National Credit Union Administration [NCUA], Federal Reserve System).