Banking services, namely, savings and checking accounts services; financial services, namely, providing bank checking cards, share Certificates and money market share accounts, individual retirement accounts; financial management of health savings accounts, "Name Your Own" vacation and club accounts, Christmas club accounts; direct deposit of funds into customer bank accounts and payroll deduction services; originating, purchasing and servicing auto loans; mortgages banking, lending and brokerage; home equity loans and lines of credit; personal loans; business loans; education loans; financial advising; credit card services; youth savings programs; group savings programs; issuing of cashier's checks and money orders; safe deposit boxes services; wire transfer services; ATM services; online and telephone banking services; bill payment services; providing online loan application services; after hours loan-by-phone application services