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Across 4. A personal cheque drawn by an individual that is certified (guaranteed) to be good. the face of the cheque bears the words "certified" or "accepted," and is signed by an official of the bank or thrift institution issuing the cheque. the signature signifies that; the signature of the drawer is genuine, and sufficient funds are on deposit and earmarked for payment of the cheque. 5. a written order instructing a financial institution to pay immediately on demand a specified amount of money from the cheque writer's account to the person named on the cheque or, if a specific person is not named, to whoever bears the cheque to the institution for payment. 9. A demand deposit account subject to withdrawal of funds by cheque. 10. : A cheque drawn on the funds of the bank, not against the funds in a depositor's account. however, the depositor paid for the cashier's cheque with funds from their account. the primary benefit of a cashier's cheque is that the recipient of the cheque is assured that the funds are available. 11. 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. 12. A negotiable instrument issued by a bank in exchange for funds, usually bearing interest, deposited with the bank.

Down 1. 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. 2. 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. 3. A cheque that a bank has paid, charged to the account holder's account, and then endorsed. once canceled, a cheque is no longer negotiable. 6. The balance of an account less any hold, uncollected funds, and restrictions against the account. 7. 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. 8. The difference between the credit limit assigned to a cardholder account and the present balance of the account.