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A typical bank sells a product in the form of deposits (interest & non-interest bearing) & loans. To provide this product the bank performs a service. this service is to facilitate the customer access to his or her accounts ie cash. This is accomplished in many different ways, ACH, Paper Checks, Credit Cards, Debit Cards, PrePay cards, Electronic Transfer, Electronic Bill Pay & simply handing the customer his or her cash.

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Q: Does a bank sell goods or services?
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