Commercial bank encourage customers with advisory, broking and agency services like: collecting cheques, recurring payments for rent, insurance premium, etc; dealing with foreign exchange transactions, buying and selling of securities, filling tax returns, etc where bank charges commission for the services.
Commercial bank provide utility services which includes providing safety locker, issuing travel cheques, money transfer facilities, provide gateway for bill payment of phone, gas, water, etc; provide paper money by way of issuing credit cards, debit cards, etc and bank either offer free or nominal charges for the services.