3.02

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Across
  1. 5. business that offers and sells financial services to people, such as savings & checking accounts
  2. 7. required charges by local, state, & federal governments
  3. 10. money spent
  4. 13. most common depository institution which lends, issues, borrow, and protects money
  5. 16. percentage used annually to calculate the total interest either gained or lost from an account
  6. 17. something unnecessary but desired
  7. 18. process of self investment
  8. 20. money put into an account
  9. 22. pays higher interest than savings, limited number of withdraws
  10. 27. essential item required for life
  11. 30. protects money in bank accounts from loss
  12. 31. financial statement individuals can use to assist with money management
Down
  1. 1. states amount of money earned & taxes paid through the year, used to file taxes
  2. 2. One automatically withdraws money from checking, makes it difficult to bounce a check
  3. 3. deposit
  4. 4. required to open checking acct., includes name, signed name, SS number, phone, address, and DOB
  5. 6. account pays the smallest amount of interest, easiest access for saving
  6. 8. pays higher interest than money market, money is required to stay there a specific period of time, if withdrawn early, owner pays penalty
  7. 9. Employee's withholding allowance certificate, determines the percentage of gross income to be withheld
  8. 11. replaces checks, used to withdraw money form checking
  9. 12. aka Employment Eligibility Verification form, used to prove identity using SS card, birth certificate, or passport, driver's license
  10. 14. the amount of money left over after payroll withholdings
  11. 15. fundamental belief or practice about what is desirable, worthwhile, and important to a person
  12. 19. money earned
  13. 21. newest method, employer issues and it carries the balance of employee's net income
  14. 23. directly deposits employee paycheck into bank account
  15. 24. amount of money that is either gained or lost when accessing services offered by a depos. institution
  16. 25. the amount of money subtracted from the gross income
  17. 26. used to withdraw money from checking account
  18. 28. money taken out of an account
  19. 29. skills acquired through self-investing