federal agency that helps ensure the stability of the US financial system and protects bank customers - FDIC, the date of expiration for a financial instrument. - maturity date, type of electronic funds transfer - wire transfer, annual yield on a deposit account - APY, total annualized cost of a loan - APR, type of instrument that instructs the check writer's bank to make a payment to the recipient indicated on the check - check, powerful financial effect that helps you savings grow overtime - compound interest, amount of money in your account that is available to spend - available balance, type of electronic funds transfer system that operates between banks - ACH, time deposit where customers put their savings to earn a yield - Certificate of Deposit, you make a purchase for an amount that exceeds your available balance - overdraft, a payment method where people can sign up to have paychecks automatically deposited into their account - direct deposit,

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