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Across 8. The percentage of each deposit that a bank must hold in reserve 9. Money that comes out of your account automatically 10. The ability to convert an asset to cash quickly 13. Ensures deposits up to $250,000 if bank failure 14. Electronic funds deposited straight into your bank account 15. operated by members and profits are shared amongst owners 16. Puts buyers and sellers together in order to create a transaction 18. The amount of money a bank can loan out in excess of the reserve requirement

Down 1. Monitors credit unions across the country 2. Offers fixed interest over a fixed amount of time 3. Financial intermediary that acts as a broker 4. Check written by a financial institution on its own funds 5. Used to store valuables 6. Savings certificate entitling the bearer to receive interest 7. Allows you to make deposits and withdraws without seeing a teller 11. When you write a check the bank must reduce your account by the amount of the check 12. provides services and gives money to people with basic investments 13. When there is no monthly service charges 16. When the FED holds reserves for commercial banks 17. Banking activities on the internet