Please Correct it! Bank Services [note 1] Retail banks [note 2] offer people [note 3] financial services such as bank and saving accounts, mortgages and loans, credit and debit cards, and a lot more such as safe deposit boxes. Small businesses have similar banking needs, so retail banks usually work as commercial banks, too and offer businesses [note 4] bank and saving accounts, loans, payment and transaction processing, and foreign exchange. Excellent!