ATM - Automatic Teller Machine, What account is used for day-to-day banking needs - Current Account, What type of bank account is used for saving - Deposit Account, Lodgement is: - Amounts paid into the account , Amounts taken out or paid out of the account is called: - Withdrawals, Name 3 types of financial institutions operating in Ireland - Commercial bank; Credit unions; An Post (Post Office), What do you need to open a current or deposit account in Ireland - Photographic proof of identity; Proof of address; A PPSN , What does PPSN stand for? - Personal public service number, What is the system called when an employer transfer wages/salary directly into the account of an employee - Paypath, The online service that allows you to make electronic transactions - Digital wallet, Explain Direct debit - A current account holder allows variable amount to be paid from their account to a creditor on agreed or variable dates, Example of a Direct debit - Electricity bills, Explain Standing order - An instruction to a financial institution to pay a fixed amount to a specific person or organisation on a certain date., Example of a Standing order - Mortgage, What is phishing? - Criminals use fake emails and fake websites as a way of tricking people into giving away passwords and bank details, Name two consumer protection agencies that help and protect consumers if they have an issue with a financial institution - 1. The Financial Services and Pensions Ombudsman and The Central Bank of Ireland,

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