Banks offer a variety of services to their customers, including loans, certificates of deposit (CDS), automated teller machines (ATMs), individual retirement accounts (IRAs), liens, cash cards, and credit lines. Loans are typically offered in the form of mortgages, car loans, or personal loans, and CDS are investments that allow customers to earn interest on their deposits. ATMs provide customers with access to their accounts 24/7, while IRAs are tax-advantaged retirement savings accounts. Liens are legal claims against property used as collateral for a loan, while cash cards are prepaid cards that can be used to make purchases. Finally, credit lines are revolving lines of credit that customers can use to make purchases or withdraw cash.