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Tawzar Travel on , and National City Corp. Bank sources of funds. The major sources of commercial bank funds come in three forms: deposit accounts, borrowed funds, and long term funding. Deposit accounts are composed of transaction deposits, savings deposits, time deposits, and money market funds. Transaction deposits are funds kept in a bank for easy transfer to others and include checking accounts and NOW accounts. NOW accounts, or negotiable order of withdrawal accounts, are checking accounts that pay interest. This was legalized for banks in 1981 as a response to competition from money market funds offered by non-bank institutions. Tawzar Travel 2016.