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Banks are ____________________ where people can keep their ____________________ . Most people use banks to ____________________ money in their ____________________ accounts and to pay money from their ____________________ accounts . Today , when a person earns money from their job , their paycheck is often electronically ____________________ ( put ) into their savings or checking account . Then , he or she can pay their bills by writing checks from their checking accounts or pay online where their bills are electronically connected to their bank accounts .

Banks also ____________________ loans to people . Banks use the money that their customers deposit to lend to people to buy new houses , cars , or to start businesses among other reasons . The bank makes money from lending by charging ____________________ . In other words , people have to pay back more than they borrowed . This amount depends on how risky the bank thinks the borrower is and how fast the loan is paid back among other things .