11.   Most banks offer two types of account, namely interest-bearing deposit accounts and current accounts with immediate access.

12.   In the interbank market, banks offer surplus deposits which they might have to other banks.

13.   As a result, banks have offered a broader range of accounts offering more competitive interest rates.

14.   The sweet murmur of their water can provide balm for troubled spirits and their banks offer sweet shelter to nurture true love.

15.   And now that traditional banks are offering online banking, online-only banks are being squeezed, with some going out of business or being absorbed by rivals.

16.   And numerous banks offer checking accounts with lower fees or balance requirements for customers who promise not to use tellers.

17.   And the really big banks also offer investment banking advice, private banking and asset management services, derivatives and large corporate loans.

18.   And when CDs look good, remember that some banks offer more attractive returns than others.

19.   As incentives, some banks offer preferential treatment, such as higher interest rates for deposits and lower rates on loans.