Term Compound interest Demand deposit Overdraft Account reconciliation Cash management Deposit insurance Cashier's check Time deposit Simple interest Depository institution Answer Description A. This is the general name given to an account that allows the account holder to access the funds through a variety of banking options such as ATM withdrawals, online banking, using debit card or through a teller. B. In this program, the insuring agency guarantees the safety of the account holder's total deposits up to specified amount. C. This is the name applied to interest earned on the initial deposit amount plus the previously earned interest. D. This form of check also often called a banker's check payable to a third party is drawn by the bank's own funds in exchange for the amount specified in the check, plus, in most cases, a service fee. E. This is the process of verifying accuracy by comparing the balance on the check register or ledger with the balance on the bank's statements. F. This is the term applied to the practice of routinely managing an individual's or family's cash and near-cash assets. G. This is the phrase used to describe a savings account that pays interest only on the investor's deposited funds and not on previously earned interest. H. This is the condition that results when an account holder withdraws more money than is currently in the account. I. These financial institutions, such as commercial banks, savings banks, and credit unions, are authorized to accept deposits J. This is the general name given to deposits held by investors who are willing to invest their funds for longer periods of time and interested in earning higher interest rates than are available on demand deposits