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Although banks do many things, their primary role is to take in funds�called deposits�from those with money, pool them, and lend them to those who need funds. Make purchases with your debit card, and bank from almost anywhere by phone, tablet or computer and more than 15, ATMs and more than 4, branches. A bank is a financial institution licensed to receive deposits and make loans. There are several types of banks including retail, commercial, and investment.