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Across 3. The balance of an account less any hold, uncollected funds, and restrictions against the account. 4. Electronic check conversion is a process in which your check is used as a source of information-for the check number, your account number, and the number that identifies your financial institution. The information is then used to make a one-time electronic payment from your account-an electronic fund transfer. The check itself is not the method of payment. 8. The person who writes a check or draft instructing the drawee to pay someone else. 9. A card signed by each depositor and customer of a bank which may be used as a means of identification. The signature card represents a contract between the bank and the depositor. 10. Any and all persons designated and authorized to transact business on behalf of an account. Each account holder's signature needs to be on file with the bank. The signature authorizes that person to conduct business on behalf of the account. 11. A personal check drawn by an individual that is certified (guaranteed) to be good. The face of the check bears the words "certified" or "accepted," and is signed by an official of the bank or thrift institution issuing the check. The signature signifies that; the signature of the drawer is genuine, and sufficient funds are on deposit and earmarked for payment of the check. 12. Legal claim against a property. Once the property is sold, the lien holder is then paid the amount that is owed. 13. The person (or bank) who is expected to pay a check or draft when it is presented for payment. 15. A sum of money placed in a bank account. 16. : A check drawn on the funds of the bank, not against the funds in a depositor's account. However, the depositor paid for the cashier's check with funds from their account. The primary benefit of a cashier's check is that the recipient of the check is assured that the funds are available. 18. Embezzlement is defined as theft/larceny of assets (money or property) by a person in a position of trust or responsibility over those assets. Embezzlement typically occurs in the employment and corporate settings. 19. A service that allows an account holder to obtain account information and manage certain banking transactions through a personal computer via the financial institution's Web site on the Internet. (This is also known as Internet or online banking.) 24. A check that a bank has paid, charged to the account holder's account, and then endorsed. Once canceled, a check is no longer negotiable. 26. A machine, activated by a magnetically encoded card or other medium, that can process a variety of banking transactions. These include accepting deposits and loan payments, providing withdrawals, and transferring funds between accounts. 29. Trading goods and services directly for other goods and services. 30. : When a depositor's checking account balance is inadequate to pay a check presented for payment. 32. A summary of all transactions that occurred over the preceding month and could be associated with a deposit account or a credit card account. 34. The act of taking money out of a bank account. 36. : Periodically the bank provides a statement of a customer's deposit account. It shows all deposits made, all checks paid, and other debits posted during the period (usually one month), as well as the current balance. 37. A contract transferring the use of property or occupancy of land, space, structures, or equipment in consideration of a payment (e.g., rent). 38. A debit card allows the account owner to access their funds electronically. Debit cards may be used to obtain cash from automated teller machines or purchase goods or services using point-of-sale systems. The use of a debit card involves immediate debiting and crediting of consumers' accounts. 42. A type of bank deposit, such as a chequing account deposit, from which account holders can withdraw money at any time they want, on demand. 44. Anything accepted as a medium of exchange that acts as a standard of value and a store of value. 45. A demand deposit account subject to withdrawal of funds by check. 47. : The fee charged for delinquent payment on an installment loan, usually expressed as a percentage of the loan balance or payment. Also, a penalty imposed by a card issuer against a cardholder's account for failing to make minimum payments. 48. : An open-end credit account in which the assigned dollar limit has been exceeded. 49. : An order not to pay a check that has been issued but not yet cashed. If requested soon enough, the check will not be debited from the payer's account. Most banks charge a fee for this service. 50. A deposit typically left in the bank for months or years.

Down 1. The transfer of money between accounts by consumer electronic systems-such as automated teller machines (ATMs) and electronic payment of bills-rather than by check or cash. (Wire transfers, checks, drafts, and paper instruments do not fall into this category.) 2. A letter requesting that a company stops the activity mentioned in the letter. 5. A negotiable instrument issued by a bank in exchange for funds, usually bearing interest, deposited with the bank. 6. The form of money used when writing cheques 7. The person or organization to whom a check, draft, or note is made payable. 8. The bank upon which a check is drawn. 14. A charge assessed by a depository institution for processing transactions and maintaining accounts. 17. To write a check for an amount that exceeds the amount on deposit in the account. 20. A check written by a depositor that has not yet been presented for payment to or paid by the depositor's bank. 21. Money that banks pay depositors for the use of their funds. 22. A pledge of property as a guarantee that the loaned money gives plus interest will be repaid; it gives the bank the right to take the property if the borrower does not pay as agreed. 23. The term interest is used to describe the cost of using money, a right, share, or title in property. 25. A payment that is electronically deposited into an individual's account at a depository institution. 27. The difference between the credit limit assigned to a cardholder account and the present balance of the account. 28. The payment history of an account over a specific period of time, including the number of times the account was past due or over limit. 31. A deposit of funds that can be withdrawn without any advance notice. 33. An arrangement in which bank customers can borrow a certain amount of money from the bank immediately. 35. An account owned by two or more persons. Either party can conduct transactions separately or together as set forth in the deposit account contract. 39. An itemized memorandum of the cash and other funds that a customer presents to the bank for credit to his or her account. 40. When the amount of money withdrawn from a bank account is greater than the amount actually available in the account, the excess is known as an overdraft, and the account is said to be overdrawn. 41. Government-issued paper money and coins legally ordered to be accepted as payment of debt. 43. A bankrupt person, firm, or corporation has insufficient assets to cover their debts. The debtor seeks relief through a court proceeding to work out a payment schedule or erase debts. In some cases, the debtor must surrender control of all assets to a court-appointed trustee. 45. : A written order instructing a financial institution to pay immediately on demand a specified amount of money from the check writer's account to the person named on the check or, if a specific person is not named, to whoever bears the check to the institution for payment. 46. An individual or financial institution that lends money with the expectation that the money will be returned with interest.