ABA

Abandonment

Acceptance

Access

Accommodation Endorsement

Account

Account Agreement

Account History

Account Holder

Account Activity

Accrued Dividend

Accrued Expenses

Accrued Interest

ACH Processing

Acknowledgment

Adjustable Rate Mortgages

Adverse Action

Adverse Action Notice

Adviser

Affidavit

After Tax Return

Alteration

Altered Check

Amortization

Annual and Semiannual Reports

Annual Percentage Rate – APR

Annual Percentage Yield

Annuity

Application

Appraisal

Appreciation

Asked or Offering Price

Assets

Authorization

Authorized Signer

Automated Teller Machines (ATM)

Automatic Bill Payment

Automatic Reinvestment

Availability Date

Availability Policy

Available Balance

Available Credit

Average Portfolio Maturity

Back Office

Bad Check

Bad Debt Recovery

Bailout

Balance of Account

Balance Transfer

Bank

Bank Card

Bank Examiner

Bank Examination

Bank for International Settlement

Bank Holding Company

Bank Note

Bank Regulation

Bank Run

Bank Statement

Bank Supervision

Bankers Acceptance

Bankers Bank

Banking Day

Bankrupt

Bankruptcy

Bankwire

Basis Point

Beneficiary

Billing Cycle

Billing Date

Billing Error

Board of Governors

Bond

Bond, U.S. Savings

Book-Entry Securities

Broker-Dealer (or Dealer)

Brokered CD

Business Day

Call Date

Canceled Check

Capital Gains Distribution

Capital Market

Cash Management Bills

Cashiers Check

Cease and Desist Letter

Central Bank

Central Bank Intervention

Certificate of Deposit

Certificate Of Deposit Index

Certified Check

Charge Back

Check

Check Clearing

Check Truncation

Check 21 Act

Checking Account

ChexSystems

Clearinghouse

Closed-End Credit

Closed-End Fund

Closed-End Loan

Closing Costs

Club Account

Collateral

Collected Funds

Collection Agency

Collection Items

Collusion

Commercial Account

Commercial Bank

Commercial Paper

Commission

Community Bank

Community Reinvestment Act

Compound Interest

Compounding

Controller of the Currency

Consumer Credit Counseling Service

Consumer Price Index – CPI

Contingent Deferred Sales Load

Conventional Fixed Rate Mortgage

Correspondent Bank

Co-Signer

Cost of Funds Index

Cosigner

Cost of Funds

Cost of Funds Index

CRA

Credit

Credit Application

Credit Bureau

Credit Card

Credit Card Account Agreement

Credit Card Issuer

Credit Disability Insurance

Credit Card Issuer

Credit History

Credit Life Insurance

Credit Limit

Credit Report

Credit Risk

Credit Score

Credit Scoring System

Credit Union

Creditor

Creditworthiness

Currency Appreciation

Currency Depreciation

Currency Devaluation

Custodial Account

Custodian

Cut Off Time

DDA

Debit

Debit Card

Debt-to-Income Ratio (DTI)

Debtor

Default

Deferred Payment

Delinquency

Demand Deposit

Deposit

Deposit Account Agreement

Depository Institution

Depreciation

Derogatory Information

Direct Deposit

Disclosures

Discount Payment

Discount Rate

Discount Window

Dividend

Diversification

Dollar-Cost Averaging

Draft

Drawee

Drawee Bank

Drawer

E or EE Bond

Early Withdrawal Penalty

Economic Activity

Effective Rate

Electronic Check Conversion

Electronic Funds Transfer – EFT

Electronic Fund Transfer Act

Electronic Fund Transfer Systems – EFTS

Embezzlement

Encoding

Endorse

Endorsement

Enforcement Action

Equal Credit Opportunity Act (ECOA)

Error Resolution

Escheat

Escrow

Escrow Analysis

Escrow Funds

Estate Account

Eurodollars

Exception Hold

Excess Reserves

Exchange Privilege

Exchange-Traded Fund

Expedited Funds Availability Act

Expense Ratio

Face Value

Fair and Accurate Credit Transactions Act of 2003

Fair Debt Collection Practices Act (FDCPA)

Fair Credit Reporting Act (FCRA)

Family of Funds

Federal Credit Union

Federal Deposit Insurance Corporation – FDIC

Federal Funds

Federal Funds Rate

Federal Home Loan Bank Board – FHLBB

Federal Open Market Committee

Federal Reserve Act of 1913

Federal Reserve Bank – FRB

Federal Reserve District (Reserve District or District)

Federal Reserve Float

Federal Reserve Notes

Federal Reserve System

Federal Wire

Fee

Fiduciary

Finance Charge

Financial Holding Company

Financial Industry Regulatory Authority (FINRA)

Financial Institution

Financial Instrument

Financial Intermediary

Financial Regulatory Agency

Financial Supermarket

First Mortgage

Fixed Rate

Fixed-rate loan

Fixed-rate mortgage

Float

Flood Insurance

Flood Plain

Forecasting

Foreclosure

Foreign Currency

Foreign Transaction Fees

Forged Check

Forgery

Forward Pricing

Fraud Alert

Free Reserves

Freedom of Information Act

Frozen Account

Fund of Funds

Fund Supermarkets

Futures

Gap

Garnishment

Government Bonds

Grace Period

Grantor

Gross Domestic Product – GDP

Gross National Product – GNP

Guaranteed student loan

Guarantor

Guaranty

Health Savings Account

Hedge

Hedge Fund

Hold

Home Equity

Home Equity Line of Credit (HELOC)

Home Equity Loan

Impound

Inactive Account

Income

Income Bonds

Independent Director

Index Mutual Fund

Individual Account

Individual Retirement Account (IRA)

Inflation

Inflation Risk

Inflationary Expectations

Institutional Investor

Insufficient Funds

Insurance

Insured deposits

Interday Indicative Value

Interest

Interest Bearing

Interest Payments

Interest Rate

Interest Rate Index

Interest Rate Risk

International Bank Account Number

Investment Adviser

Investment Company

Investment Objective

Issuer

Joint Ownership

Joint Tenancy

Judgment

Kiting

Late charge

Laundered Money

Lease

Lender

LIBOR

Lien

Lienholder

Line of Credit

Liquidity

Living Trust

Load Fund

Loan-to-Value Ratio (LTV)

Loan Contract

Loan Fee

Loan Modification Provision

Loan Proceeds

Local Check

Long-term Interest Rates

M1

M2

M3

Macroeconomics

Magnetic Ink Character Recognition

Management Fee

Margin

Market Analysis

Market Index Deposit

Market Interest Rates

Maturity

Member Bank

Minimum Balance

Minimum Payment

Missing Payment

Monetary Policy

Monetize

Money Market

Money Market Deposit Account

Money Market Fund

Money Market Rates

Money Multiplier

Money Supply

Mortgage

Mortgage Loan

Mortgagee

Mortgagor

Mutual Fund

Mutual Savings Banks

National Association Of Securities Dealers – NASD

National Association of Securities Dealers Automated Quotations

National Bank

National Bank Examiner

National Credit Union Administration – NCUA

Negotiable

Negotiable Order of Withdrawal account – NOW

Net Asset Value (NAV)

No-Load Fund

Nominal Interest Rates

Noninterest Income

Nonmember Depository Institution

Nonpersonal Time Deposits

NSF

Off Balance Sheet Liabilities

Office of Thrift Supervision – OTS

Office of the Comptroller of the Currency – OCC

Official Check

Offset, Right of

Online

Online Banking

Open-end Credit

Open-End Investment Company

Open Market Operations

Operating Expenses

Operating Subsidiary

Option

Original Issue Discount

Outstanding Check

Overdraft

Overdraft Checking Account

Overdraft Protection

Overdraw

Overlimit

Par Value

Passbook Savings Account

Past Due Item

Payee

Payment Due Date

Payments System

Payoff

Payoff Statement

Payor

Payor or Paying Bank

Per Diem

Periodic Rate

Periodic Statement

Personal Identification Number (PIN)

PITI

POD

Point of sale (POS)

Points

Portfolio

Portfolio Manager

Portfolio Turnover

Positive Carry

Power of Attorney

Preauthorized Electronic Fund Transfers

Preauthorized Payment

Premium

Prepayment Clause

Prepayment Penalty

Prepayment Risk

Previous Balance

Prime Rate

Principal Balance

Principal Payments

Private Mortgage Insurance (PMI)

Promissory Note

Prospectus

Qualified Endorsement

Rate

Real Estate Settlement Procedures Act (RESPA)

Real Interest Rates

Recession

Reconcile

Reconciliation

Redeem

Redemption

Redemption Price

Redlining

Refinancing

Refund

Regional Bank

Reinvestment Privilege

Release of Lien

Renegotiable Rate

Renewal

Repurchase Agreements

Required Reserves

Required Minimum Distribution

Required Reserve Balance

Reserves

Residual Interest

Return on Investment

Return Item

Revocable Trust

Revolving Credit

Right of Offset

Right of Rescission

Risk/Reward Tradeoff

Rollover

Roth Conversion

Roth IRA

Safety Deposit Box

Safekeeping

Sales Charge or Load

SAR

Satisfaction of Mortgage

Savings Bank

Savings and Loan Association – S&L

Savings Bond

Securities and Exchange Commission – SEC

Securities

Securitization

Security Interest

SEP

Series Fund

Service Charge

Share Classes

Shareholder

Short-term Interest Rates

Signature Card

Simple Interest Loan

Stale Dated Check

State Bank

State Banking Department

State Member Bank

Statement

Statement of Additional Information

Stock

Stop Payment

Student loan

Substitute check

Successor Trustee

SWIFT

Surety Bond

Tax Identification Number (TIN)

Tax Lien

Teller

Tender

Terms

Testamentary Trust

The Desk

Thrift Institution

Thrift Institutions Advisory Council – TIAC

Tiered Interest Rate

Time Certificate of Deposit

Time Deposit

Total Return

Totten Trust

Transaction Account

Transfer Agent

Trust Account

Trust administrator

Trust Agreement

Trustee

Trustor

Truth in Lending Act (TILA)

UCC

USA PATRIOT Act

U.S. Treasury Securities

Uncollected Funds

Underwriter

Uniform Commercial Code (UCC)

Uniform Gift to Minors Account

Unit Investment Trust (UIT)

Usury

Usury Rates

Variable Annuity

Variable Rate

Vault Cash

Velocity

Wall Street Journal Prime Rate

Wire Transfer

Withdrawal

Withdrawal Plan

X-mark Signature

Yankee Bond

Yield

Yield Curve

Zero Coupon CD

12b-1 Fee

401(k) Plan

403(b) Plan

457 Plan

529 Plan

ABA

American Bankers Association. A trade association for banks and savings associations.

Abandonment

Voluntary surrender of property, or a right to property, without attempting to reclaim it.

Acceptance

A time draft accepted by a bank, known as bankers acceptance. They are used primarily in financing international trade. Acceptances are negotiable instruments, meaning they can be sold to another party before maturity.

Access

In a bank’s safe deposit area, access is the legal right to open a safe deposit box, and to add or remove property.

Accommodation Endorsement

An endorsement on a check by a bank customer put there only to get the bank to cash the check for someone else, usually a non-customer. The endorser making the accommodation doesn’t benefit from the check or otherwise use it, but agrees to pay for the check if it bounces.

Account

A deposit in a customer’s name that can be withdrawn, such as a checking account, savings account, or certificate of deposit account. Also used to refer to loan accounts such as a credit card account, mortgage loan account, etc.

Account Agreement

The contract governing your open-end credit account, it provides information on changes that may occur to the account.

Account History

The history of an account over a specific period of time, including the debits, credits, the number of times the account was past due or over limit.

Account Holder

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.

Account Activity

The summary of transactions in an account over a selected period of time. Transactions include; previous balance, payments, credits, finance charges and new balance.

Accrued Dividend

A regular dividend that is considered to be earned but not yet paid

Accrued Expenses

Expenses which are incurred, but for which payment is not yet made, during a given accounting period.

Accrued Interest

Interest that has been earned on a bond or other fixed income security since the last interest payment was made but not yet paid.

ACH Processing

ACH (Automated Clearing House) is a nationwide network of financial institutions that send electronic messages and deliver electronic transactions for banks and their depositors. This electronic clearing and settlement system is for exchanging electronic transactions among participating depository institutions. The most common ACH transactions are direct deposit, pre-authorized debits, cash concentration and corporate to corporate payments.

Acknowledgment

A notification by a paying bank that an item presented for payment has been paid or that cannot be honored. Also used in securities to verifying that a customer’s signature is genuine.

Adjustable Rate Mortgages

Also known as variable-rate mortgages. Home mortgages that have an initial interest rate is usually below that of conventional fixed-rate loans. The interest rate may change over the life of the loan as market conditions change. There is typically a maximum or ceiling and a minimum or floor defined in the loan agreement. If interest rates rise, so does the loan payment. If interest rates fall, the loan payment may as well.

Adverse Action

Under the Equal Credit Opportunity Act, a creditor’s refusal to grant credit on the terms requested, termination of an existing account, or an unfavorable change in an existing account.

Adverse Action Notice

The notice required by the Equal Credit Opportunity Act advising a credit applicant or existing debtor of the denial of their request for credit or advising of a change in terms considered unfavorable to the account holder.

Adviser

An organization employed by a mutual fund to give professional advice on the fund’s investments and asset management practices also called the investment adviser.

Affidavit

A sworn statement in writing before a proper official, such as a notary public.