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Across 4. percentage rate used to calculate interest (2 Words) 8. a payment transaction done without physical connection between the payment device and physical point of sale (POS) terminal or clerk (2 Words) 10. a business that provides financial services (2 Words) 11. an account offered by depository institution whose purpose is to help people manage money (2 Words) 12. an account at a depository institution designed to hold money not spent on current consumption (2 Words) 13. a for-profit business that offers financial services to consumers and other business (2 Words)

Down 1. lets customers complete certain transactions from a secure internet site with a username and password from anywhere with internet access (2 Words) 2. a machine to complete some transactions at the location without human help (3 Words) 3. an account that allows quick access to your funds for transactions (2 Words) 5. apps depository institutions have that allow online banking access for devices,such as,smartphone, tablets and other mobile devices (2 Words) 6. the price paid for using someone else's money 7. a depository institution offering many banking services; owned by the customers (2 Words) 9. a plastic card electronically connected to a cardholder's depository (2 Words)