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Santa Isabel Travel on HILLSDALE COLLEGE banking, consumer ALSO KNOWN AS RETAIL BANKING or commercial banking, consumer banks provide checking, savings, credit, and other banking services to individuals and small businesses, typically handling very large numbers of relatively small transactions. They are distinguished from investment banks that raise capital for large businesses and operate in fundamentally different ways from consumer banks. In the UNITED STATES and UNITED KINGDOM, consumer banking and investment banking are largely separate. In the United States, this separation is legally required by the Glass-Steagall Act of 1933, while in the United Kingdom it is a matter of customary business practice. Other countries allow banks to combine the two types of activity. Banks that offer both consumer and investment banking services are called universal banks. Consumer banks are a mainstay of individual and business savings. Santa Isabel Travel 2016.