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Journal Article
Interest checking
Journal Article
Basic banking
Journal Article
Checking-account interest
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' ...
Journal Article
Interest checking and M1
Journal Article
Deposit rate deregulation and the demand for transactions media
Journal Article
Interest on business checking accounts?
Journal Article
The impact of debit card regulation on checking account fees
Starting in 2011, when new regulations capped the interchange fees paid to banks for debit card transactions, some news reports predicted banks might increase checking account fees. The cap reduced many banks' revenue and the concern was that they might offset their losses by charging more for checking accounts. Sullivan examines data from broad samples of banks and finds that many large banks raised fees?but among the thousands of smaller banks that had been exempted from the regulations, some raised fees while others lowered them. On net, consumer access to free checking actually increased. ...