Often, complex programs may need to be downgraded to remove unused or bugged features, and to increase speed and/or ease of use. An example of a downgraded program is Gmax, a downgraded version of 3ds max used by professional computer graphics artists, free to download and simplified for ease of use.
Common uses of a direct deposit include income tax refunds and pay checks.
A loss leader is a marketing tool in which a company offers a product or several products below market value to attract consumers.
The goal of most banks is to attract consumers with free or low-cost checking accounts and then entice them to use more profitable features such as personal loans, mortgages and certificates of deposit.
The account holder simply gives their account information to the depositing party, giving them the right to only deposit money and perform no other transactions.
Alternatively, accounts can also be authorized to pay bills at a certain future date.
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In exchange for liquidity, checking accounts typically do not offer a high interest rate, but if held at a chartered banking institution, funds are FDIC guaranteed up to $100,000 per individual depositor.