Search Results
Showing results 1 to 10 of approximately 21.
(refine search)
Journal Article
The cost of checkable deposits in the United States
Working Paper
Checking accounts and bank monitoring
Do checking accounts help banks monitor borrowers? If they do, the rationale both for allowing regulated providers of liquidity to also make risky loans to commercial borrowers and for the government's providing deposit insurance becomes clearer. Using a unique set of data that includes monthly and annual information on small-business borrowers at an anonymous Canadian bank, the authors provide evidence that a bank has exclusive access to a continuous stream of borrower data, namely, the firm's checking account balances at the bank, that helps it to monitor the borrower. ; To the authors' ...
Working Paper
Checking accounts and bank monitoring.
Superseded by the paper "Transactions accounts and loan monitoring" (Working Paper 05-14) ; Do checking accounts help banks monitor borrowers? If they do, the rationale both for allowing regulated providers of liquidity to also make risky loans to commercial borrowers and for the government's providing deposit insurance becomes clearer. Using a unique set of data that includes monthly and annual information on small-business borrowers at an anonymous Canadian bank, we provide evidence that a bank has exclusive access to a continuous stream of borrower data that helps it to monitor the ...
Journal Article
Checking accounts: what do banks offer and what do consumers value?
Recent evidence shows that the supply of deposits to checking accounts is not elastic with respect to the interest rates paid. That suggests that various features attached to checking accounts may be important in determining the supply of deposits and banks' and revenues from the fees. This study uses a national survey of checking accounts offered by financial institutions in 25 major metropolitan areas in the United States to analyze the effects of restrictions and fees imposed on checking account holders on the supply of deposits and on the banks' check fee revenues. The author places ...
Journal Article
Deposit rate deregulation and the demand for transactions media
Journal Article
Interest checking
Journal Article
Interest on business checking accounts?