12. checks account number: which account the money is coming from 13. check number: keeps track of how many checks you have written 14. liquidity: how easy it is to access your money 15. direct deposit: money goes directly into your account from your paycheck 16. required balance: minimum balance that must be in an account at all times 17. credit limit: how much you are allowed to put on your credit card 18. APR: annual percentage rate 19. credit card disclosure: ensures that credit card companies treat customers fairly 20. fees and interest: you have to pay fees if your credit card bill isn't paid on time and you have to pay the money loaned back plus interest 21. three major credit bureaus in the United States: Experian, Transunion, Equifax

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