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Across 3. a business that provides financial services 4. account that allows quick access to your funds for transactions 6. account at a depository institution designed to hold money not spent on current consumption 8. depository institutionoffering many banking services; owned by customers 10. for-profit business that offers financial services to consumers and other businesses 12. plastic card electronically connected to a cardholder's depository institution account 13. apps depository institutions have that allow online banking access from portable devices

Down 1. machine to complete some transactions at a location without human help (ATM) 2. payment transaction done without physical connection between the payment device and physical point of sale terminal or clerk 5. allows customers to complete certain transactions from an internet site with a username and password 7. percentage rate used to calculate interest 9. account offered by banks whose purpose is to help people manage money 11. price paid for using someone's money