The dime , worth 10 cents, is silver-colored and is the smallest U.S. coin. The quarter , worth 25 cents, is silver in color and is larger than the nickel. All U.S. paper money is the same size and same color. Their services are similar in that they all offer savings and checking accounts and loans to qualified customers. The interest rates for these services vary only slightly between different institutions.
Banks offer additional services, such as safe-deposit boxes and international currency exchanges.
Credit unions are member-owned and one must usually be employed by selected businesses to become a member. Opening an Account To open any kind of bank account, go to the bank of your choice and tell the receptionist that you would like to open an account. The receptionist will direct you to a person who can explain the kinds of accounts that are available and can open one for you. There are periodic changes in the kinds of accounts and the other services that banks offer. This allows you to make relatively large purchases without carrying a dangerous amount of cash with you.