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the amount of money left in the bank account after all deposits, withdrawals, interest and bank charges have been taken into consideration, net balance.

an indication of how much interest will be charged on a loan. Usually, the higher the APR on a loan, the more interest will have to be paid (assuming that all other things are equal). APR rates between different banks can be compared to get an indication of which is more expensive.

the amount earned on an interest-bearing investment in a year, expressed as a percentage. When the APY is the same as the interest rate on an investment, simple interest is earned. But when the APY is higher than the interest rate, the interest is being compounded, which accumulating interest – a good way to make the money grow even faster.

may be different from the balance that is available to the account holder for spending, withdrawal or transfer. If a cheque has been deposited, but not cleared by the issuing bank, the funds will not be available to the account holder even though they may show up in the account's stated total balance.

support functions that are not directly involved in generating income for a firm, e.g. IT, human resources.

also known as a transmission or transactional account, a cheque account is a bank account that is used to deposit and withdraw money. Money can be added or removed from the account by visiting the bank branch, using an ATM or Internet banking or in the old-fashioned way, by writing a cheque. These days a debit card is usually issued to withdraw funds or make purchases from a cheque account. Some banks may require a minimum balance to open or maintain the account.

calculated, not just on the original amount, but also on the interest that has already been earned.

a review of the credit history made by a lender or other financial services provider when an individual makes a credit application. The result of a credit will affect the decision of the lender.

occurs when the supply of credit evaporates and there is a reduction in the availability of loans.

a formal evaluation of an individual’s ability to pay interest and repay borrowed money, as published by a credit rating agency or service.