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Introduction to commercial banks

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Introduction to commercial banks

  1. 1.  A commercial bank is a business that provides financial services to personal and business customers
  2. 2.  An Post  Building Societies  Credit Unions
  3. 3.  Money Withdrawal  Money Transfers  Savings  Loans/Mortgages  Foreign Exchange  24- hour Banking  Night Safe
  4. 4.  An account for day-to-day banking  An account into which a person puts money so that payments can be made by ◦ Cheque ◦ ATM ◦ Laser card ◦ Standing order ◦ Direct debit.  Overdraft – withdraw more money than what is in the account  Fees may apply to transactions.
  5. 5.  A savings account  An account into which a person deposits any money they want to save, any money left over at the end of the month  Account holders receive interest on savings  But must pay tax on this interest (DIRT)
  6. 6.  Automated Teller Machine (ATM) allows money to be withdrawn from your account  How to use an ATM
  7. 7. On-Line/24 Hour Banking  Banking over the telephone or on the internet, 24 hours per day, 365 days per year. 8
  8. 8. On-Line/24 Hour Banking (continued)  Facilities include:  checking your account balance  transfer money between your accounts  transfer money to other accounts, i.e. pay bills  apply for a bank loan, a bank overdraft or a credit card 8
  9. 9. On-Line/24 Hour Banking  Access to on-line banking is through a customer identification number and a password. 8
  10. 10.  A deposit slot on the outside of a bank allowing money to be deposited into the bank's safe outside of bank opening hours e.g. at night

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