Three types of conditional sentences

Conditional sentences can be divided into three types.
Type one present tense
If you study ,you will pass.
Second type past
If you studied, you would  pass.
Type three past perfect
If the ship had sunk, they would have died.
What is the difference between the three types

If you have a good faith in Allah,you will not loose your life

Imagine that you went into the bank and you found the cash machine was out of order  how can you make a dialogue with the check out