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Across 2. percentage rate used to calculate interest (2 Words) 4. used to help people manage money (2 Words) 5. a payment transaction done without physical connection between the payment device and physical point of sale (pos) terminal or clerk (2 Words) 6. a depositiory institution offering many banking services; owned by the customers (2 Words) 7. a for-profit business that offers financial services to consumers and other businesses (2 Words) 8. designed to hold money, not spent on current consumption (2 Words) 9. a machine to complete some transactionsat the location without human help 10. the price paid for using someone else's money 11. apps depository institutions have that allow online banking access from devices, such as, smartphones etc (2 Words) 12. lets cutomers complete certain transactions from a secure internet site (2 Words)

Down 1. a business that provides financial services (2 Words) 3. a plastic card electronically conneccted to a cardholder's depository institution account (2 Words) 5. an account that allows quick access to your funds for transactions (2 Words)