**Main Personal Bank Services:**

1. **Savings Accounts:** A savings account is a basic banking service that allows individuals to deposit and save their money while earning a small amount of interest on the balance. It provides a safe place to store funds and allows easy access to money when needed.

2. **Checking Accounts:** A checking account is a common personal banking service that enables individuals to deposit money and withdraw funds as needed. It typically comes with a checkbook and a debit card, allowing for convenient transactions and payments.

3. **Credit Cards:** Credit cards are a widely used personal banking service that allows individuals to make purchases on credit. They provide a convenient and secure way to pay for goods and services, and often offer rewards and cashback programs.

4. **Loans:** Banks offer various types of personal loans to meet the financial needs of individuals. These include home loans, auto loans, personal loans, and educational loans. Loans provide access to large sums of money that can be repaid over time, with interest.

5. **Investment Services:** Many banks offer investment services to help individuals grow their wealth. These services may include mutual funds, stocks, bonds, and retirement accounts. Banks provide guidance and assistance in managing investments to meet financial goals.

6. **Online and Mobile Banking:** With the advent of technology, banks now offer online and mobile banking services. These platforms allow individuals to access their accounts, make transactions, pay bills, and manage their finances conveniently from anywhere, at any time.

**Main Business Bank Services:**

1. **Business Checking Accounts:** Similar to personal checking accounts, business checking accounts provide a dedicated account for managing business finances. They offer features such as online banking, debit cards, and check-writing capabilities, tailored to the needs of businesses.

2. **Business Loans:** Banks offer a range of business loans to help companies meet their financial needs. This includes working capital loans, equipment financing, business lines of credit, and commercial real estate loans. Loans provide businesses with the necessary funds to expand, invest, or manage cash flow.

3. **Merchant Services:** Banks provide merchant services to businesses, allowing them to accept credit card payments from customers. These services include point-of-sale systems, credit card processing, and online payment gateways, enabling businesses to seamlessly receive payments.

4. **Business Credit Cards:** Business credit cards offer companies a convenient way to make purchases and manage expenses. They often come with features such as rewards programs, expense tracking, and spending limits, tailored to the needs of businesses.

5. **Cash Management Services:** Banks offer cash management services to help businesses optimize their cash flow and liquidity. These services include cash pooling, automated clearing house (ACH) payments, wire transfers, and electronic fund transfers, simplifying financial operations.

6. **Business Insurance:** Many banks provide insurance services to protect businesses against risks. This includes property and casualty insurance, liability insurance, and employee benefits insurance. Insurance coverage helps businesses mitigate potential financial losses.

These are just a few examples of the main personal and business bank services offered by financial institutions. The specific services may vary depending on the bank and the needs of the individuals or businesses. It is advisable to consult with the bank to explore the full range of services available.