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Before that, here is some knowledge on the topic for you.

Commercial Banks and their Role in our Society
Modern Commercial banks perform a variety of functions and provide a number of services to their customers. Various functions performed by the Commercial Banks are as follows:

1. Acceptance of Deposits from the general public in the form of current accounts, savings accounts, fixed deposits and recurring deposits.

Giving and advancing loans in the form of:
a.    Outright loans for a fixed period where the entire amount is credited to the borrowers account and interest is charged on the whole amount.

b.    Cash credit where the bank opens an account in the borrower’s name and the borrower may withdraw the money when required. Interest is charged on the withdrawn amount.

c.    Overdraft facilities where the customers can draw cheques in excess of the amount standing to their credit.

2. Discounting bills of exchange.
3. Providing the facility of Payment through cheques.
4. Allowing Transfer of funds.
5. Performing Agency functions.
6. Providing Miscellaneous services like locker facility, gift cheques, investment advice, etc.
7. Acting as a Credit Creator.

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