Banking and financial services; provision of banking services over the internet and mobile devices; On-line banking services; checking account services; savings account and savings certificate services, namely, regular and IRA savings certificates; processing of credit card and debit card payments; credit and loan services; bill payment services; telephone and mobile telephone banking services; electronic banking via a global computer network; mortgage lending; ATM machine banking services; Automated Clearing House (ACH) transaction processing services; financial services, namely, electronic remote check deposit services; individual retirement account services; consumer lending services; real estate lending services