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Across 2. An itemized memorandum of the cash and other funds that a customer presents to the bank for credit to his or her account. 4. A deposit of funds that can be withdrawn without any advance notice. 6. 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.) 7. When a depositor's chequeing account balance is inadequate to pay a cheque presented for paymen 8. A payment that is electronically deposited into an individual's account at a depository institution. 10. The bank upon which a cheque is drawn. 11. The person who writes a cheque or draft instructing the drawee to pay someone else.

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 cheque or cash. (wire transfers, cheques, drafts, and paper instruments do not fall into this category.) 3. The term interest is used to describe the cost of using money, a right, share, or title in property. 4. The person (or bank) who is expected to pay a cheque or draft when it is presented for payment. 5. 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. 9. 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.