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Banks offer customers the ability to store money safely, take out loans, and perform other financial services. Banks offer consumers the ability to open and maintain checking and savings accounts, which are both essential for personal finance.

It’s typical for a standard checking account at a bank to be attached to a debit card, which makes spending convenient. Access to short-term and long-term savings accounts can help you store funds for emergencies as well as save for retirement.

Depending on the bank, the money it stores for a customer can be insured. The Federal Deposit Insurance Corporation (FDIC) insures up to $250,000 for an individual and $500,000 for a jointly held account. In case of bank failure, you're protected. Not all banks are FDIC-insured, so you should look for one that is.


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