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Across 9. business that provides financial institutions. (2 Words) 10. machine to complete some transactions at the location without human help. 12. plastic card electronically connected to a cardholder's depository institution account. (2 Words) 13. depository institution offering many banking services; owned by customer. (2 Words)

Down 1. account that allows quick access to your funds for transactions. (2 Words) 2. for-profit business that offers financial services to consumers and other businesses. (2 Words) 3. percentage rate used to calculate interest. (2 Words) 4. account offered by depository institutions to help people manage money. (2 Words) 5. lets customers complete certain transactions from a secure internet site with a username and password from anywhere with internet access. (2 Words) 6. account at depository institution designed to hold money not spent on current consumption. (2 Words) 7. payment transaction done without physical connection between the payment device and physical point of sale (POS) terminal or clerk. (2 Words) 8. apps depository institutions have that allow online banking access from devices, such as, smartphones, tablets and other mobile devices. (2 Words) 11. price paid for using someone else's money.