Banking instruments are financial tools used by individuals and businesses to facilitate transactions, manage funds, and secure loans. Common examples include checks, debit cards, and credit cards, which allow users to access their bank accounts or borrow money for purchases. These instruments help streamline payments and improve financial management. Another important category of banking instruments includes loans and mortgages, which provide funds for significant expenses like buying a home or starting a business. Additionally, certificates of deposit (CDs) and savings accounts are used for saving money while earning interest, helping individuals grow their wealth over time.