Coupons and you may financing associationsalso referred to as S&Ls, thrift finance companies, deals banking companies, or offers establishmentsrender many exact same characteristics in order to customers once the commercial banking institutions, along with deposits, fund, mortgages, checks, and you can debit notes. But not, S&Ls put a stronger focus on domestic mortgage loans, while industrial banks tend to specialize in handling higher companies as well as on unsecured borrowing properties (such as credit cards).