Banks & Financial Institutions

In the United States, commercial banks, usually called just "banks," are institutions that exist to lend and borrow funds in a manner profitable to the institution. Banks today accept checkable deposits, as well as time deposits, and use their depositors' funds mainly to make loans and buy securities. Banks thereby operate as financial intermediaries, standing between the primary lenders (depositors) and the ultimate borrowers. Banks' access to funds allows them to provide services such as the pooling of risks, making loans, and providing liquidity for their customers. Most United States citizens use banks to plan home buying, retirement, and educational advancement. The links included herein relate specifically to banks and financial institutions.