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But in a different study, Zinman found evidence in the opposite direction.
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EFTs may also be initiated by third parties, and include transfers of funds made by direct deposit of payroll, social security or pension payments, by pre-authorized transfer, ACH deposits and withdrawals, automatic debit, or other recurring consumer payments, or by use of a check to initiate an electronic fund transfer (
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These ATMs can be found in many locations such as the bank branch itself, kiosks spread throughout a city or even supermarkets, gas stations, shopping malls and post offices, making it very convenient for the customer to make withdrawals and check balances without incurring any fees.
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