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Across
  1. 2. Fee Penalty for spending more than the available balance.
  2. 5. Banks Digital-only institutions with no physical locations.
  3. 6. Unions Nonprofit member-owned institutions with lower costs.
  4. 10. People with accounts using alternative financial services.
  5. 13. Financial institution receiving deposits and providing services.
  6. 14. Speed of accessing money without penalties or fees.
Down
  1. 1. Banks For-profit institutions offering general deposit services.
  2. 3. Matching your personal records with bank statements.
  3. 4. Deposit Automatic electronic deposit of payroll checks.
  4. 7. Protection Service covering account overspending for a fee.
  5. 8. People without bank accounts.
  6. 9. Account Register Journal used to record all account activity.
  7. 11. Federal agency insuring credit union deposits up to $250,000.
  8. 12. Federal agency insuring bank deposits up to $250,000.