The roles and functions of banks have changed { }.Today the services that a bank offers depend on the type of bank and the country.Many of the larger banks may deal in financial instruments such as share certificates, certificates of deposit, and bills of exchange.A financial instrument is a {} document.It shows {} money has been lent or borrowed, invested or passed from one account to another.Some banks also offer banking and insurance to their customers.However, one of the basic functions of a bank is to provide services related to the storing and management of money.These { } include accepting deposits, making loans, paying or charging interest, transferring and investing money, ATM works and so on.{ } , online banking allows us to have more choices and services, including opening accounts, transferring money between accounts, paying bills and even getting loans.