Banking services; financial services, namely personal and business checking account services; savings accounts services; banking services featuring the provision of certificates of deposit; telephone banking services; banking services provided by mobile telephone connections; online banking services accessible by means of downloading mobile applications; electronic debit card transaction processing; issuing prepaid debit cards; debit account services featuring a computer readable card; provision and financial administration of debit card savings program; providing personal loans; providing small business loans and commercial lending services; home equity loans; providing home equity lines of credit (HELOC); financing relating to automobiles; passbook loans, namely providing personal loans made to a savings-account holder by the custodial bank, which uses the balance of the savings account as collateral; banking services featuring the provision of direct deposit; providing online financial information to an individual regarding his/her bank account statements; ATM banking services; debit and checking account services featuring checking overdraft protection; safe deposit box services; money order services; issuance of bank checks; issuance of travelers checks; financial services, namely electronic remote check deposit services; merchant services, namely, payment transaction processing services; automated clearing house (ACH) transaction processing services; maintaining escrow accounts for sales transactions, mortgages, trusts and estates; money wiring services