Whois & Analysis for firstbanks.com

A credit card is a payment card issued to users (cardholders) to enable the cardholder to pay a merchant for goods and services, based on the cardholder's promise to the card issuer to pay them for the amounts so paid plus other agreed charges.

The card issuer (usually a bank) creates a revolving account and grants a line of credit to the cardholder, from which the cardholder can borrow money for payment to a merchant or as a cash advance.

Retail banking, also known as consumer banking, is the provision of services by a bank to individual consumers, rather than to companies, corporations or other banks.

Services offered include savings and transactional accounts, mortgages, personal loans, debit cards, and credit cards.

The term is generally used to distinguish these banking services from investment banking, commercial banking or wholesale banking.

It may also be used to refer to a division or department of a bank dealing with retail customers.

A transaction account, checking account, current account or demand deposit account is a deposit account held at a bank or other financial institution.

It is available to the account owner "on demand" and is available for frequent and immediate access by the account owner or to others as the account owner may direct.

Access may be in a variety of ways, such as cash withdrawals, use of cheques and debit by electronic transfer.

In economic terms, the funds held in a transaction account are regarded as liquid funds and in accounting terms they are considered as cash.

Employee benefits and (especially in British English) benefits in kind (also called fringe benefits, perquisites, or perks) include various types of non-wage compensation provided to employees in addition to their normal wages or salaries.

In instances where an employee exchanges (cash) wages for some other form of benefit is generally referred to as a 'salary packaging' or 'salary exchange' arrangement.

In most countries, most kinds of employee benefits are taxable to at least some degree.

In economics, a service is a transaction in which no physical goods is transferred from the seller to the buyer.

The benefits of such a service are held to be demonstrated by the buyer's willingness to make the exchange.

Public services are those that society (nation state, fiscal union, region) as a whole pays for.

Using resources, skill, ingenuity, and experience, service providers benefit service consumers.