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Understanding Bank Products

Explains how to identify unrecognized client needs and describes the differences between product features and benefits of common consumer deposit products. This course identifies the categories of small business needs and describes cash management, retirement, and international banking services. It identifies the categories of business expenses that require financing and that are appropriate to finance via working capital loans. This course also describes business credit products used to finance durable equipment and real estate. This course explains estate planning and settlement services offered by banks. It identifies the most common types of trust funds and services offered by banks.

Re-versioned: July 2016

What You'll Learn

After successfully completing this course, you will be able to:

  • Describe financial products in terms of features and benefits to the client
  • Identify prospective clients for different categories of bank products and the clues that signal client needs
  • Describe business banking products features and benefits
  • Describe financial products and services in a way that demonstrates a client focus


Branch client-contact personnel with at least six months experience. Those who would benefit most include new tellers, new accounts representatives, personal bankers, platform assistants, and branch manager trainees.

Course Credits

ABA Certificates​: This course applies to the following certificates:

Questions? Please contact for more information.




Purchase for a Team
To license this course to your bank for multiple learners, please contact ABA Training.​


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