- A savings account allows depositing money in a bank, with certain minimum balance rules. It earns interest on deposited funds that can be added or withdrawn at any time. - ATM/debit cards issued by banks allow access to savings and current accounts 24/7 for withdrawals. Debit cards directly withdraw funds while credit cards provide a line of credit. - Security features like threads and markings help identify genuine currency and protect against forgery of fake notes.