Banking and financial services, including chequeing account services and maintaining depository accounts; electronic banking and bill paying services; education lending services; asset based lending services; home mortgage lending services; automobile lending services; depository services for US taxes and social security cheques; electronic funds transfer; foreign currency exchange; travellers' cheque issuance; cash management services; direct deposit of payroll into member accounts; trust services; securities brokerage services; financial planning services; life, property and casualty insurance agent services; online banking services; credit card services; investment services