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- An electronic funds transfer (EFT) is a way to move money across an online network, between banks and people. EFT payments are frequently used in place of paper-based payment methods—like checks and cash—to make transactions faster and safer. When you make a payment these days, odds are you’re using an EFT to make it happen.www.forbes.com/advisor/money-transfer/understanding-electronic-funds-transfer/
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