What kinds of services do financial institutions such as banks and savings and loans offer?

Savings and Loans, referred to as S&Ls, provide many of the same services to customers as commercial banks, including deposits, loans, mortgages, checks, and debit cards

Explanation: Savings and loan associations (S&Ls) are one of four types of "banks" which offer a range of financial services, including checking accounts, savings, accounts, home mortgage loans, credit cards, and other consumer loans. As financial intermediaries, S&Ls match up lenders and borrowers.