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www.gobankingrates.com/banking Banking describes the products and services we use from financial institutions, like banks, lenders or credit unions. Banking is the act of spending and saving, borrowing and loaning, buying, selling and investing through a financial institution.
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en.wikipedia.org/wiki/Bank_account Account structure . Bank accounts may have a positive, or credit balance, where the bank owes money to the customer; or a negative, or debit balance, where the customer owes the bank money.