Which products fall under "home banking"?

The choice that accurately represents products that fall under "home banking" encompasses telephone or personal computer-based banking services. Home banking refers to the ability for consumers to conduct banking transactions from their homes, using devices such as personal computers or phones. This definition aligns with services that enable online account management, bill payments, fund transfers, and other banking activities without the need to visit a physical bank location.

In contrast, while physical banking locations and automated teller machines (ATMs) are integral to the banking experience, they do not fit the specific definition of home banking, which emphasizes remote access to banking services. Mobile banking apps, while certainly a form of home banking, are not the only means by which customers can access these services. Therefore, the most comprehensive answer that captures the essence of home banking is the one that includes both telephone and personal computer-based services.