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Disclaimer
Electronic Banking
A Helpful Guide For ...
Consumers Seeking Electronic Banking Services
& Merchants Offering Electronic Banking Services
For many consumers, electronic banking means 24-hour access to cash through an automated teller machine (ATM) or Direct Deposit of paychecks into checking or savings accounts. But electronic banking now involves many different types of transactions.
Electronic banking, also known as electronic fund transfer (EFT), uses computer and electronic technology as a substitute for checks and other paper transactions. EFTs are initiated through devices like cards or codes that let you, or those you authorize, access your account. Many financial institutions use ATM or debit cards and Personal Identification Numbers (PINs) for this purpose. Some use other forms of debit cards such as those that require, at the most, your signature or a scan. The federal Electronic Fund Transfer Act (EFT Act) covers some electronic consumer transactions.
Electronic Fund Transfers
EFT offers several services that consumers may find practical:
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Table of Contents Types of Electronic Fund Transfers
Lost or Stolen ATM or Debit Cards Limited Stop-Payment Privileges Source: Federal Trade Commission
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