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Electronic funds transfer, or EFT, is a broadly-used term for any money transferred through electronic data systems, whether it's between consumers, companies or financial institutions.
EFT systems fall into two categories: One consists of large dollar wire transfer systems such as the Treasury, member banks, or the private wire network Clearing House Interbank Payment System (CHIPS). The second is the consumer electronic payment systems. These include the retail merchant point-of-sale debit card systems, ATM networks, and telephone bill payment systems.