consumer, commercial and mortgage banking services, namely, providing checking accounts, savings accounts, savings bonds, automatic teller machine services, certificates of deposit, electronic cash transactions, bank account information by telephone, bank by mail services, check cashing, travelers' check issuance, money order issuance, payroll tax deposits, safe deposit box services, check processing, check verification, debit card services, electronic bill payment services, currency exchange and advice, credit card services, auto loans, personal loans, home improvement loans, business working capital lines of credit, vehicle and equipment loans, Small Business Administration guaranteed loans, interim residential and construction loans, owner occupied business premises loans, residential lot loans