Banks provide a variety of services. First, they offer a place to keep your money and financial assets and you can make dividends from interest. They can set you up with a credit card for spending or to just establish credit in order to make larger purchases. They provide loans for cars, homes, businesses, or just about any reason (as long as you can pay it back!) -- as well as provide financial services, such as investing guidance and opportunities. Most banks have safe deposit boxes where you can store things like jewelry, gold, or important documents. Banks are in the business of making money, so understand you will be paying for most services.