Banking

Banks and bank accounts are regulated by both state and federal statutory law. Bank accounts may be established by national and state chartered banks and savings associations. All are regulated by the law under which they were established. The operation of checking accounts is governed by state law supplemented by some federal law. Banking services include a variety of financial products including checking accounts, savings accounts, retirement accounts, CDs, IRSa, money market accounts, loans, mortgage lending, auto lending and more. Banking services are increasingly moving to online services to increase efficiency, lower costs and improve customer satisfaction.