Banks are also a great source of capital for account holders or those who have a relationship with the bank. You can take out loans for notable capital purchases such as house mortgages, automobile loans, home equity loans, small business loans, and large commercial loans for corporations. Banks also manage credit and debit card transactions. In short, banks provide the place to save money, the means to spend that money, and wholly new sources of money by way of loans that provide the fuel for our economy.