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Financial Glossary

401(k) Plan
An employer-sponsored savings plan designed to encourage employees to set aside money for retirement.

Anything of value owned by an individual or company. Examples of an individual's assets are land, a house, stocks, and a car.

Automated Teller Machine. A computerized cash-dispensing machine that allows you to withdraw cash, transfer funds between accounts, make deposits or loan payments, and find out the balances in your account using an access card issued by the bank, along with a personal identification number (PIN).

The exact amount of money contained in an account.

A financial institution where individuals, groups, and businesses can safely keep their money for spending and saving.

An investment offered by a corporation, the U.S. government, or a city, and which promises to pay the bondholder a certain sum at a specified time, and may also include the promise to pay interest twice a year.

To obtain or receive (something) on loan with the promise or understanding of returning it.

A plan for money coming in and going out.

Capital Gains
The increase in an investment's worth that happens when an investor receives more money from selling the investment than it originally cost.

Coin and paper money in all denominations.

Certificate of Deposit. A certificate from a bank stating that the named party has a specified sum on deposit, usually for a given period of time at a fixed rate of interest.

A written order instructing the bank to pay money. The order must contain a date, payee, amount, and an authorized signature.

Check Register
A paper form used to keep track of the checks written.

Checking Account
A bank account in which people deposit money and use checks as a way of using money for payments.

Anything of material value that a bank has a right to take ownership of if the debtor does not repay a loan as agreed.

An amount or sum of money lent by a bank or business for repayment in the future.

Credit Card
A plastic card that can be used to purchase items by borrowing money that you promise to pay back.

An individual or business that lends money or extends credit.

Any item that reduces the balance in a bank account. A check, bank service fee, and ATM withdrawals are all examples of debits.

Debit Card
A plastic card that can be used to purchase items by taking money out of your checking account. Usually carries a Visa or Master Card logo.

To add (deposit) money to a bank account.

Deposit Slip
A paper form required to put (deposit) money into an account.

Direct Deposit
A deposit made directly into your account by the payer without the use of a check or deposit slip.

Payments to stockholders, usually quarterly, as a return on their investment.

An item on which you spend money.

The Federal Deposit Insurance Corporation is an agency of the federal government that insures all bank deposits up to $100,000 per person.

Fund Manager
Person responsible for making decisions regarding a portfolio of investments in a mutual fund.

The amount of money earned as a result of completing a job.

Installment Loan
A loan repaid with interest in equal periodic payments.

Insufficient Funds
The lack of sufficient funds in an account to pay a particular check or payment.

Coverage by an institution to protect against loss in return for money paid.

A fee paid for the use of money.

Interest Rate
The percentage of a sum of money charged for its use.

Property or another possession acquired for future financial return or benefit.

Individual Retirement Account. An investment account in which a person can set aside income and receive certain tax benefits. The money may not be withdrawn until the owner reaches a certain age, or penalties may apply.

To provide (money) temporarily on condition that the amount borrowed be returned, usually with an interest fee.

An agreement between a borrower and a lender, in which the borrower agrees to repay money with interest over a period of time.

Currency used as the accepted medium of exchange that both measures worth and stores value.

Monthly Statement
A summary letter from the bank that lists the money put in and taken out of an account.

A temporary, conditional pledge of property (such as a house) to a creditor as security to repay a debt.

Mutual Fund An investment in which a group of people put their money together and pay a manager to buy a collection of investments, like stocks from different companies or bonds.

Negotiable Check
A check that can be exchanged for cash, goods, and services.

When a check is written for an amount that exceeds the available account balance. The bank generally charges the checking account holder a fee for overdrawing the account. This results in a returned, or "bounced," check.

One to whom money is paid.

Personal Identification Number. A secret combination of numbers used to gain access to an account through an electronic device such as an ATM.

A group of investments held by an investor, investment company, or financial institution.

The total gains earned on an investment from all sources after all expenses have been paid.

Real Estate
Land, including all the natural resources and permanent buildings on it.

Returned Check
A check that is not honored by a bank because the account has insufficient funds. This is also referred to as a "bounced check."

Revolving Credit
Accounts that let debtors spend money borrowed from creditors with the promise to pay it back in a certain amount of time.

Money that you set aside for large purchases in the future.

Savings Account
A bank account for storing money and to which the bank adds interest money to the account.

Certificates of ownership in a company.

A fair price or return.

To take money out of a bank account.

Withdrawal Slip
A paper form required to take money from an account.