To help you decide whether or not you should open your accounts at multiple banks, the information below shows you when you should consider different banks ...
www.personal-finance-hq.com/.../multiple-banks.html

A commercial bank is a type of financial intermediary and a type of bank. Commercial banking is also known as business banking. It is a bank that provides ...
en.wikipedia.org/wiki/Commercial_bank

Acho que é isso.

A commercial bank is a type of financial intermediary and a type of bank. Commercial banking is also known as business banking. It is a bank that provides checking accounts, savings accounts, and money market accounts and that accepts time deposits.[1]
Commercial bank is the term used for a normal bank to distinguish it from an investment bank.
http://en.wikipedia.org/wiki/Commercial_bank

An investment bank is a financial institution that raises capital, trades in securities and manages corporate mergers and acquisitions. Investment banks profit from companies and governments by raising money through issuing and selling securities in capital markets (both equity, debt) and insuring bonds (e.g. selling credit default swaps), as well as providing advice on transactions such as mergers and acquisitions. A majority of investment banks offer strategic advisory services for mergers, acquisitions, divestiture or other financial services for clients, such as the trading of derivatives, fixed income, foreign exchange, commodity, and equity securities.
http://en.wikipedia.org/wiki/Investment_bank

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Note added at 18 mins (2009-08-24 13:14:44 GMT)
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Bancos múltiplos: ***São os bancos que operam, obrigatoriamente, carteiras de banco comercial ou de investimento simultaneamente.*** Outras carteiras disponíveis para operação: banco comercial, banco de investimento e/ou banco de desenvolvimento (neste caso, exclusivamente para bancos oficiais), sociedade de crédito imobiliário, sociedade de crédito, financiamento e investimento e sociedade de arrendamento mercantil (leasing).
http://www.igf.com.br/aprende/glossario/glo_Resp.aspx?id=343

Universal banks - A universal bank participates in many kinds of banking activities and is both a Commercial bank and an Investment bank.[1]
http://en.wikipedia.org/wiki/Universal_bank

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So I suggest commercial and universal banks

http://www.google.com/search?hl=en&rlz=1R2SKPB_enUS335&q=who...

CRA - Wholesale and Limited Purpose Designations Under the Community Reinvestment Act, a bank may submit a request to its primary federal regulator to be designated a wholesale bank or a limited purpose ...
www.federalreserve.gov/DCCA/CRA/limpurp.htm

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Note added at 20 mins (2009-08-24 13:16:05 GMT)
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I don't think the term "multiple bank" is correct or even exists.