This handout does not cover all the uses of the comma, but these five guidelines will cover the vast majority of comma uses. For more information on the use of the comma, consult a grammar handbook. Banks offer many services to customers, but they could do more.
Many banks offer investment advice, and they help small businesses establish credit.
Generally, do not use a comma before and, but, or, or nor when they link structures other than complete sentences. Some banks establish special accounts for older depositors, and counsel them on investments. Use a comma after most elements that begin sentences and modify something in the rest of the sentence. Fortunately, some of the news is good. After thinking about it, I decided to take the job.