Which is not an example of electronic funds transfers (EFTs)?

Name: Which is not an example of electronic funds transfers (EFTs)?
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Question

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Writing a check is not considered an electronic funds transfer because it involves physical documentation and the processing of the check. Electronic funds transfers are typically done electronically without the need for physical documentation. Direct deposit of payroll, online bill payments, and the use of a debit card are all examples of electronic funds transfers.

Which Is Not an Example of Electronic Funds Transfers (EFTs)