Deposits of commercial banks at the federal reserve bank are called bankers from FINS.
Federal funds, often referred to as federal funds are excess reserves that commercial banks and other financial institutions deposit with regional Federal Reserve banks. These funds can be lent to other market participants who do not have sufficient cash on hand to meet their borrowing and reserve needs.
Commercial banks are often referred to as full-service banks because they offer a wide range of financial services, including checking and savings accounts, personal and business loans, and other services.
The Reserve Bank often called the 'banker's bank', stores money and coins and processes checks and electronic payments. The Reserve Bank also oversees commercial banks in the region.
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