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Thiruvananthapuram Map on In the United States, consumer banking institutions include commercial banks, savings institutions (Savings & Loan associations and mutual savings banks), and credit unions, with each type regulated by a different government agency and organized in a different way. Other countries have similar types of banking institutions, though legal requirements and business customs vary widely from country to country. Commercial banks, the most common type of depository institution, accept deposits and use them to make loans for a wide range of uses, such as automobile purchases, business equipment, and lines of credit at interest rates that vary just as widely. Though they were once the main providers of both deposit accounts and loans, banks now face competition from other institutions such as money-market funds that allow smaller depositors to invest and write checks against their accounts. Free of some of the legal restrictions placed on banks, such non-bank funds can make more diversified investments and offer higher returns than banks. However, non-bank funds lack deposit protection provided by the U.S. Thiruvananthapuram Map 2016.