bank services featuring checking accounts, savings bank services, certificate of deposits, fixed-rate mortgage lending, adjustable rate mortgage lending, secured consumer loans, unsecured consumer loans, small business loans, commercial loans, home improvement loans, debit card services, automatic teller machine services, cashier check issuing, bank check issuing, travelers check issuing, electronic funds transfer services, investment funds, money market accounts, tax payment processing services, securities services, namely, purchase and redemption of US treasury securities, and safety deposit box services