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Transnistria Travel on Traditional savings accounts or passbook accounts pay interest, but do not provide checking services. From the 1930s until 1986, under Regulation Q, the government restricted the interest rates banks and savings and loans could pay on savings accounts, 5.5 percent for savings and loans, and 5.25 percent for banks. The federal government believed that competition could cause bank failures. Regulation Q was repealed when inflation in the UNITED STATES and therefore INTEREST RATES on Treasury Bills and Commercial Paper exceeded 10 percent and people moved their funds from regulated savings accounts to non-regulated money market funds. Borrowed funds are federal funds purchased, borrowing from the Federal Reserve banks, repurchase agreements, and eurodollar borrowing. Transnistria Travel 2016.