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Federal Deposit Insurance Corporation (FDIC)

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Federal Deposit Insurance Corporation (FDIC)

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This is the federal agency that guarantees the safety of all deposits up to $100,000 in the financial institutions that it insures.

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For example, the bank holds $10 (10 percent) of your money and lends the remaining $90. The next bank is also required to hold 10 percent ($9) of that amount, so it can lend $81. This process continues as one bank lends to another, increasing the amount of money available to borrow, thus expanding the amount of money in the money supply. Due to this process, there are risks involved so safety regulations are put in place...

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Special Financial Services of Commercial banks

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Special Financial Services of Commercial banks

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1. Pension services such as individual retirement accounts (IRAs)

2. International services such as currency exchange, letters of credit, and banker’s acceptance

3. Financial advice and brokerage services

4. Automated teller machines (ATMs)

5. Electronic funds transfer (EFT)

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Such as Vanguard and Merrill Lynch

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Such as HBSC Finance (a consumer finance company) and Wells Fargo (a commercial finance company).

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Such as State Farm insurance and GEICO auto insurance.

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Such as Social Security (a public pension fund) and a 401 (k) plan (a private pension fund).

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Nonprofit, cooperative financial institution owned and run by its members, usually employees of a particular organization.

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3. Savings and Credit Loan Associations (S&L's)

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3. Savings and Credit Loan Associations (S&L's)

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Financial institution accepting deposits and making loans primarily for home mortgages.

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Financial institution whose depositors are owners sharing in its profits.

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some in depth examples include...

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As long as terms and conditions are clearly revealed to borrowers, banks are allowed to set their own interest rates. Additionally, the Prime Rate is available to the bank's most creditworthy commercial consumers.

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consumers often look for alternatives to traditional banking so this is among the options banks are using to continue growing in a mature industry.

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Federal or state chartered financial institutions accept deposits that they use to make loans and earn profits.

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1. pension funds
2. insurance companies
3. finance companies
4. securities investment dealers

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1. commercial banks
Thrift Institutions
2. mutual savings banks
3. savings and credit loan associations
4. credit unions

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examples include...

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examples include...

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this country's banking system is divided into two different types of institutions. the first topic is a deposit, the second topic is non-deposit.