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Table 1. Top 15 Commercial Banks in the United StatesCommercial Banks Financial institutions: their role in business V. Fill in the blanks. Rewrite the passage filling in the blanks from the list of words below.
Financial institutions that serve business include banking institutions – commercial banks, thrifts, credit unions, and others – and non-banking institutions, such as insurance companies and commercial and consumer finance companies. Before 1863 all commercial banks in the United States were _____ by banking commissions of the states in which they operated. To eliminate the abuses of some of the state-chartered banks, the National Banking Act of 1863 created a new banking system of federally chartered banks, supervised by the Office of the Comptroller of Currency, a department of the US Treasury. Today the United States has a _____ banking system in which banks supervised by the federal government and by the state _____ side by side. Insurance companies and consumer finance companies are _____ by the state in which they operate.
About 14.000 commercial banks do business in the United States. A commercial bank is a _____ institution that holds the deposits of individuals and businesses in _____ and savings accounts and then use these _____ to make _____ to individuals, businesses, and the government. Commercial banks in the United States are chartered by either the state or the federal government. While bank charters _____ by states and the federal government do differ, the differences are not noticeable to the individual _____. Table 1 shows the top 15 commercial banks in the United States, based on their _____. (Based on Total Assets)
Commercial banks are sometimes called _____ banks. Certainly most offer an extensive _____ of services. In addition to checking and _____ accounts and personal and business loans, commercial banks offer bank _____ cards, safe-deposit boxes, discount brokerage services, wire transfers of funds between banks, financial _____, overdraft protection (for checking _____), traveler’s _____, and trusts. Trusts are legal _____ set up to hold and manage assets for a designated beneficiary. Funds in a trust are typically _____ in stocks, bonds, real estate, and other investments. Parents often use trusts to _____ their children in the event of their death, especially when the children are too young to _____ their own _____. Young Americans Bank has an interesting approach to banking. It offers services to customers as young as 11 years old.
VI. Summarize the following passage in about 100 words:
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