BPA Banking and Finance
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BPA Banking and Finance
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25 Questions

1. requirements regarding the amount of cash a bank must hold in reserve against deposits made by customers (may not be used for lending or investing)

2. in a lease agreement, a tenant may have to pay the landlord a security deposit to

3. What is the name of the official government approved website to get a free credit report?

4. 9-digit number printed on a check that identifies the bank that holds the checking account and the FED that bank is located in

5. a check which has not yet been cashed or deposited by the payee; also refers to a check which has been presented to the bank but is still in the bank's check clearing cycle

6. charges far more interest than a typical credit card interest charge

7. type of stock that is based on the ups and downs of the economy

8. the value of the homeowner's interest in their home; portion of a home's current value that the owner actually possesses free and clear

9. (DCA) an investment technique of buying a fixed dollar amount of a particular investment on a regular schedule, regardless of the share price; investor purchases more shares when prices are low and fewer shares when prices are high

10. movement of money electronically from one financial institution to another

11. an extension of credit from a lending institution when an account reaches zero; allows the individual to continue withdrawing money even if the account has no funds

12. personal property put up to guarantee a loan should the borrower fail to repay is

13. the interest rate that commercial banks charge their most credit-worthy customers

14. A loan that is not backed by collateral; Also known as an unsecured loan, it is based solely upon the borrower's credit rating

15. the federal tax that is deducted from your paycheck each pay period that provides for retirement, disability, and survivor benefits

16. (S&L) or thrift institution; a financial institution that specializes in accepting savings, deposits, and making mortgage and other loans

17. a type of financial co-operative (owned by its members) that provides savings and checking accounts and other services to its membership at low fees.

18. AKA bank routing number; is a 9-digit code that identifies banks in the United States

19. a document that promises payment to a specified person or the assignee; ex. check, bank drafts, cashier's checks, certified checks, bills of exchange, promissory notes

20. income earned from selling an asset for more than the purchase price

21. A tax levied on value of purchases, usually based as a percentage of total value

22. personal check with a bank's guarantee the check will be paid

23. a period of time when investors are confident in the economy and stock prices are rising

24. the interest rate charged to commercial banks and other depository institutions for loans received from the Federal Reserve's discount window; helps determine the present value of future cash flows

25. financial obligation that a person currently owes or will owe in the future

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