Type
Crossword
Description

The (blank) is an electronic funds-transfer system that facilitates payments in the U.S Automated Clearing House
is a transfer of funds done electronically across a network of banks or transfer agencies around the world. Wire Transfer
is the ability of a bank customer to deposit a cheque into a bank account from a remote location. Remote Deposit
System used to pay multiple bills to different providers from one central dashboard. Bill Pay
is the ability of a bank customer to deposit a cheque into a bank account using a cellular device. Mobile Deposit
The Organization that manages the development, administration, and governance of the ACH Network in the US. NACHA
The electronic payment system that enables customers of a bank or other financial institution to conduct a range of financial transactions through the financial institution's website. Online Banking
Automated cash-management service used by financial institutions employed to deter check fraud. Positive Pay
processing services that enables a business to accept a transaction payment via credit/debit card. Merchant Services
Nicole's Job. Safekeeping
Allows a business to offset fees and service charges by maintaining compensating balances. Account Analysis
The managing of publicly held funds by a government entity. Public Funds
This group sets up and trains all of our treasury customers. Implementations
This group goes out and gets customers to sign up for treasury products. Sales

Banking Terms Crossword

Type
Crossword
Description

Bank branch offices, hours of operation, availability of ATM Location
Direct deposit, automatic payments, overdraft protects, online banking, discounts or free checking for students Special Features
Monthly charges, per check costs, printing of checks, balance inquiry cost, ATM checks Fees
Minimum balance, holding period for deposited checks Restrictions
An payment system where bills are paid through direct withdrawal from a bank account Automatic Payment
A financial cooperative owned by its members to serve its members. It offers the same financial services as a bank Credit Union
Allow customers to get cash and conduct banking transactions ATM
An account that allows you to deposit money and write checks on that account. Checking Account
The amount of money currently in an account Balance
A business that keeps money safe fro its customers, lends money to borrowers, and provides other financial services Bank
A banking card that can be used to purchase goods and services electronically. The amount is transferred immediately. Debit Card
The least amount of money a bank requires when opening an account Minimum Deposit
The money put into a bank account Deposit
A savings or checking account set up in the names of more than one person Joint Account
The money a bank pays for the use of a person’s money. Interest is referred to in terms of annual percentage rate (APR) Interest
Tells how much money you currently have in your account (account balance) Inquiry
A secret number or code that protects the security of an account PIN
An amount of money taken out of an account Withdrawal
A bank account that allows you to put money away to use later. The bank pays interest in exchange for the use of the money in the account Savings Account
Business done with a bank, including deposits, and withdrawals Transaction
A bank employee who performs banking services for the public, such as cashing checks and accepting deposits Teller

TEST 3 - BANKING AND SIMPLE INTEREST Crossword

Type
Crossword
Description

An account at a bank that allows a customer to deposit money, make withdrawals, and make transfers from the funds on deposit checking account
A financial institution licensed to receive deposits and provide financial services to the public bank
Adding money to your account deposit
taking money out of your account withdrawal
a piece of paper that tells a bank to pay money from an account to the payee on the paper check
looks l ike a credit card but money is immediately taken out of checking account when this is used. debit card
an electronic transfer of money directly into your checking account direct deposit
insufficient funds in the account or a negative balance overdraft
automated teller machine atm
to use a debit card you need to know your _________ pin
in this type of checking account, only one person can make withdrawals single
a record of all transactions in your checking account check register
a withdrawal from your account shows up as a _________ on your register debit
a deposit to your account shows up as a __________ on your register credit
a printed statement that you get in the mail that shows all of your transactions and current balance bank statement
money the bank adds to your savings account as payment for using your money interest
interest that is calculated only one time on the original principal simple
the original amount your deposit to open a savings account principal
the account balance after the interest has been added future value
the piece of paper you give the bank when making a deposity to your account deposit slip
the receiver of the transfered funds (from a check) payee
signing the back of a check written to you saying you are the payee endorse
what does the "r" stand for in the simple interest formula? rate

Financial Literacy Word Search

Type
Word Search
Description

minimum payment
lender
late fee
interest
grace period
delinquency
credit score
credit report
credit limit
credit card
collection account
borrower
annual percentage rate
annual fee
withdrawal
transfer
transaction
service charge
overdraft
online banking
minimum balance
financial institution
direct deposit
deposit
debit card
credit union
checking account
Check register
Balance
ATM

Personal Finance Crossword

Type
Crossword
Description

Regulates US monetary system and financial system Federal Reserve
Member owned organization Credit Union
Magnetically encoded numbers on a check Routing Number
Computer terminal that takes place of a human bank teller ATM
Transaction deposit account that's held at a financial institution Basic Checking Account
A written, dated, and signed instrument that allows you to take money out of your account to pay someone Check
A card issued by a bank allowing the holder to transfer money electronically Debit Card
Electronic transfer of a payment directly from the account of payer to the recipients account Direct Deposit
A deficit in a bank account caused by drawing more money out than the account can hold Overdrafts
Loan you get based on your pay check Payday Loan

Balancing a check Crossword

Type
Crossword
Description

an extension of credit from a lending institution when an account reaches zero overdrafts
A nine digit number associated with your bank account that is used to determine where to send a fund to or from Routing number
a transactional deposit account that allows you to withdrawal and deposit money basiccheckingaccount
a written, dated and signed instrument that allows you to take money out of your account to pay someone check
is a plastic payment card that provides the cardholder electronic access to their bank account at a financial institution Debitcard
Electronic funds that are deposited directly into your bank account rather than through a paper check directdeposit
A type of short-term borrowing where an individual borrows a small amount at a very high rate of interest. paydayloan
Keep their money in the bank in order to be able to loan money to each other, which helps achieve these financial benefits creditunion
the number on a check routingnumber
A bank that provides the nation with a safe, flexible and stable monetary and financial system. federalreserve

Chapter 12 Banking Procedures and Services Crossword

Type
Crossword
Description

A financial institution, such as savings bank, that is legally allowed to accept monetary deposits from consumers Depository Institutions
Insurance companies, finance companies, securities firms, and investment companies that provide certain financial services but do not accept traditional deposits Nondepository Institutions
Provides banking customers with access to financial transactions in a public space without the need for a bank teller Automatic Teller Machine
An account into which you deposit money and from which you gradually withdraw money by writing checks or using a debit card Checking Account
A written order from you to your bank instructing it to pay money from your account to another party Check
Functions like checking account but pays a small amount of interest on money in the account. Require the user to maintain a minimum balance in order to earn interest Negotiable Order of Withdrawal
Enables you to withdraw cash from your account at ATMs, or to pay directly for goods or services at many stores and restaurants Debit Card
Typically a four-digit number needed to access a bank account or debit card PIN
A small ledger for keeping track of checking account balance Check Register
Small containers located inside a bank vault used to store valuable documents such as wills and small objects such as jewelry, rare coins, and legal documents Safety Deposit Boxes
A type of check that is written to a specific payee but charged against a bank instead of an individual account Cashiers Check
Functions similarly to a cashiers check. It is purchased for cash so that the recipient can trust its worth Money Order
Checks paid for in advance and written by a large financial institution with no payee specified Travelers Check
Used to authorize someone to withdraw money from a bank account automatically to satisfy some financial obligation Bank Draft
Authorization for someone to access a bank account for payment or deposit Electronic Funds Transfer
A U.S. government agency that provides insurance on bank deposits FDIC
A U.S. government backed agency that provides insurance on credit union deposits NCUSIF
Functions similarly to a bank but has nonprofit status and is owned by its members Credit Union
Serves as the central bank of the U.S. Federal Reserve System
Primary tool to fight inflation and promote a healthy economy; involves raising or lowering of the money supply to achieve some goal Monetary Policy
Money currently used in the United States; has value not because the coins and bills have some value in their own right, but because the government orders that it be accepted as payment Fiat Money
A goal of the Federal Reserve System to ensure that inflation or deflation does not occur Price Level Stability

Saving and Investment Crossword

Type
Crossword
Description

a report showing your credit history and a numerial rating credit rating
an agency that collects information on how individuals pay their bills, etc. credit bureau
state of owing money to a business for a credit debt
a time during which interest is not charged to your credit card grace period
yearly cost of the loan, expressed as a percentage APR
fees based on the amount of money owe and the interest charged on the credit card interest
maximum amount you can charge on a credit card credit limit
a small plasitc card issured by a bank or financial institution credit card
as asset such as home or car collateral
your signature signed on the back of a check endorse
a void check advice of debit
items means to agree reconcile
a bank for people who are part of the same organization credit union
money taken out of an account withdrawal
money put into an account deposit
recorded tranaction in a book check register
money moved from one place to another transfer
money you pay back to a loan in regular payments installments
transfer of money from one bank account to another by electronic means electronic funds transfer
managing your money from a computer using the Internet online banking

Banking terms Crossword

Type
Crossword
Description

The balance of an account less any hold, uncollected funds, and restrictions against the account Available Balance
a check guaranteed by a bank, drawn on the bank's own funds and signed by a cashier. Cashier's Check
an account entry representing money you owe or money that has been taken from your deposit account. Debit
An account entry representing money being added to your deposit account Credit
A deposit of funds that can be withdrawn without any advance notice. Demand Deposit
When the amount of money withdrawn from a bank account is greater than the amount actually available in the account Overdraft
Used to indicate that a certain amount of a customer's balance may not be withdrawn Hold
A transfer of funds from one bank to another using a network such the Federal Reserve Wire Network Wire Transfer
An account that has little or no activity for a significant period of time. Inactive account
The amount paid by a borrower to a lender in exchange for the use of the lender's money for a certain period of time. interest rate

Banking 101 Crossword

Type
Crossword
Description

Deposit Check by Phone Mobile Deposit
Ability to overdraw account Bounce Protection
Acct type with low monthly transaction volume(generally less than 200 items) Basic Business
A higher earing interest bearing acct for individuals with larger balances and limited transaction usage Money Market
Ability to pay bills from account BillPay
Another option to recieving statements eStatements
Business Customers can utilize this feature to offer payment arrangement to their customers other than cash or checks CashManagement
HIghly effective at check fraud prevention Positive Pay
Product that automatically moves money from one acct to another at end of day Sweeps
Automated Clearing House ACH
Automated Funds Transfer AFTS
Limit of $1500 per day for purchases POS Limit
Limit of $500 withdrawn in a 24 hr period ATM Limit
Convenience Product to reconcile transactions, transfer money between accounts, pay loan payments, etc Online Banking

Banking Terms Crossword

Type
Crossword
Description

Money deposited with a financial institution for investment and/ or safekeeping purposes. Account
Automated teller machine ATM
The amount of money in a particular account Balance
An establishment for lending, insuring, borrowing, exchanging, and safe guarding money. Bank
A check that a bank has refused to cash or pay because you have no funds to cover it in your account. Bounced check
A “used Check” that has been paid and subtracted from the check writer’s account. Canceled check
Any written document instructing a bank to pay money from the writer’s account. Check
An account for which the holder can write checks. Checking account
A check “clears” when its amount is debited from the payer’s account and credited to the payee’s account. Clear
A banking card that is enhanced with ATM and POS features that can be used to purchase goods and services. Debit Card
An itemized slip showing the exact amount of the cash, coin and checks being deposited into a particular account. Deposit slip
An individual or company that puts money in a bank account. Depositor
To sign, as the payee, the back of a check before cashing, depositing, or giving it to someone else. Endorse
- A governmental agency establishes by Congress to organize and regulate banking throughout the United State. Federal reserve system
A savings or checking account established in the names of more than one person. Joint account
When a check is written for more money than is currently in the account. Overdraft
The date when the transaction is recognized on your account. Posting date
A monthly fee a bank charges for handing a checking account Service charge
A request made to a bank to not pay a specific check. Stop payment
An amount of money taken out of an account. Withdrawal