Commercial financial institutions and traditional banks deliver a diverse array of essential monetary services to support individual consumers, small businesses, and massive corporate enterprises. The first major service is deposit accounts, which allow customers to securely store their money in checking accounts for daily transactions and savings accounts that earn interest over time. The second major service is credit and lending facilities, providing consumers and corporations with mortgages, auto loans, personal lines of credit, and commercial business capital to fund housing, vehicle purchases, and enterprise expansion. The third major service is payment processing and cash management, encompassing electronic funds transfers, wire services, debit and credit card issuance, and automated bill payment systems that facilitate global commerce.