Term Answer Description Compound interest A. This is the general name given to an account that allows the account holder to access the funds through a variety of banking options such as ATM withdrawals, online banking, using debit card or through a teller. Demand deposit B. This refers to an insurance program that protects depositor funds against the failure of the insured depository institution. This is the name applied to interest earned on the initial deposit amount plus the previously earned interest. Overdraft C. Account reconciliation D. This form of check is drawn on the account of a financial institution and is backed by the creditworthiness of the institution. It is often required by sellers in lieu of a personal check. Cash management E. Deposit insurance F. This is the process of ensuring that the money that left the bank account matches the amount the account holder spent. This is the term applied to the normal, day-to-day administration of an individual's or family's cash and near-cash, or liquid assets. This is the name given to interest that is paid only on an investor's initial investment and not on any previously earned interest. In the case of this condition, banks return the check to the party to whom the check was Cashier's check G. Time deposit H. written due to insufficient balance in the account. Simple interest I. These financial institutions are legally allowed to solicit and accept monetary deposits from individuals or entities. Depository institution J. This is the general name given to deposits held by investors who are willing to invest their funds for longer periods of time and interested in earning higher interest rates than are available on demand deposits