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Personal Finance - 8.2 Financial Institutions

Total questions: 20

Worksheet time: 12mins

Name
Class
Date
1.

for-profit financial institutions that accept deposits and offer a variety of deposit accounts and financial services

a)

retail bank

b)

credit union

c)

online bank

d)

investment operator

2.

nonprofit financial institutions that are owned and operated by their members; offer deposit accounts and lending services similar to a retail bank but at a lower cost

a)

retail bank

b)

credit union

c)

online bank

d)

investment operator

3.

also known as internet banking; all transactions done online; no physical location

a)

retail bank

b)

credit union

c)

online bank

d)

investment operator

4.

an option offered by banks to cover overspending an account and then charge a fee for it

a)

overdraft protection

b)

overdraft fee

c)

underdraft protection

d)

underdraft fee

5.

a penalty charged if the account holder spends more than their account balance, causing the available balance to go below zero

a)

overdraft protection

b)

overdraft fee

c)

underdraft protection

d)

underdraft fee

6.

provide market advice, explain regulations, and help businesses price and sell stocks or bonds to their investors. 

a)

investment banks

b)

investment service institutions

c)

financial advisement companies

d)

help people with specific advice related to comprehensive investing strategies. 

7.

help people who want to invest their money in stocks or mutual funds. 

a)

investment banks

b)

investment service institutions

c)

financial advisement companies

d)

help people with specific advice related to comprehensive investing strategies. 

8.

provide investment advice, income tax preparation, and estate planning.

a)

investment banks

b)

investment service institutions

c)

financial advisement companies

d)

help people with specific advice related to comprehensive investing strategies. 

9.

help people with specific advice related to comprehensive investing strategies. 

a)

investment banks

b)

investment service institutions

c)

financial advisement companies

d)

wealth management firms

10.

will find affordable and appropriate insurance plans for their clients. 

a)

insurance brokers or agents

b)

mutial fund brokers

c)

stock brokers

d)

loan sharks

11.

no membership requirements

a)

bank

b)

credit union

c)

online bank

d)

credit card

12.

walk-in convenience

a)

bank

b)

credit union

c)

online bank

d)

credit card

13.

check cashing and cash deposits

a)

bank

b)

credit union

c)

online bank

d)

credit card

14.

higher interest rates on savings accounts

a)

bank

b)

credit union

c)

online bank

d)

credit card

15.

better rates and lower fees

a)

bank

b)

credit union

c)

online bank

d)

credit card

16.

in-person service available

a)

bank

b)

credit union

c)

online bank

d)

credit card

17.

earned account dividends

a)

bank

b)

credit union

c)

online bank

d)

credit card

18.

more physical locations

a)

bank

b)

credit union

c)

online bank

d)

credit card

19.

What are 2 ways that banks make money?

a)

fees

b)

investing your money

c)

selling money

d)

printing checks

20.

What are 2 ways that banks make money?

a)

loans

b)

selling you overdraft protection

c)

selling money

d)

printing checks