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Delivery transfer of the possession of an item from one person to another Demand deposit funds that are available to the customer at any time and that require no advance notice of withdrawal, usually drawn against by writing checks deposit to leave money or items with a bank for credit to a bank account difficult customer a customer who presents problems that cannot be solved, expresses anger, or displays disruptive behavior direct deposit program whereby a check issuer delivers the check directly to the payee's bank for credit to his or her account dissatissfied customer a result of unmet customer expectations and a cause of reduced business ending cash cash in teller's drawer at the end of the day financing involves the purchase of, or advance of, funds arising from installment sales for a customer selling aproduct or service grace period stipulated time, following the date on which payment is due, during which no late fee is charged hold the restriction of payment of part or all of the funds in an account installment loan loan on which the principal and the finance charges are repaid in fixed payments for a predetermined number of months interest the amount paid by a borrower to a lender in exchange for the use of the lender's money over a certain period interest rate the percentage rate charged for the use of money, usually quoted on an annual basis investment the exchange of money for a promise to repay at a later date or for an ownership share in a business venture lending charging a fee for the use of money loan business contract by which a borrower and lender enter into an agreement maker person who signs and delivers (executes) a note or other promise to pay maturity the date on which a note, draft, acceptance, or bond becomes due and payable money market instruments private and government obligations with a maturity of one year or less megotiable order of withdrawal (now) account a deposit account from which funds can be drawn by writing a check nonsufficient funds (nsf) indicates that the drawer's account balance is less than the amount of a check or withdrawal order presented for payment on other check a bank's term for a check presented to it for deposit or payment but drawn on another bank on us check a term used by a bank for a check drawn on the bank and presented to that bank for deposit or payment