3. Fractional reserve banking which of the following statements about depository institub'ons in the US. are correct? Check all that apply. [:l Depositorlllr institutions include hanks, savings and loan associations, and credit unions. [:l The customers of commercial banks are primarily looking II: nance major consumer purchases. [:l The public does not have direct access to depositoryr institutions. [:l Host deposits at commercial banks are federally insured