A written composition, typically nonfiction, on a topic distinct from the rest of a book or publication; an independent part of a newspaper, magazine, trade publication, journal, etc. Articles reflect opinion, news, research, academic analysis or instruction and are much shorter than books. Examples are found in many topics of interest, such as science, politics and business. 소액결제 미납 정책
1. Direct Deposit

Direct deposit is an electronic way to transfer cash from one bank account to another. It’s the most common way 93% of Americans get paid and offers a safe, convenient alternative to paper checks. It eliminates the need for employees to come into a branch, reduces the risk of ID theft and mail fraud, and allows customers to access their funds faster than if they received their paycheck by mail. It also allows customers to benefit from a suite of digital tools and money management apps that simplify the process of tracking their spending and saving.

In banking, a direct deposit refers to the process of sending money from a payer to a payee’s bank account using an electronic network for deposits called the automated clearing house (ACH). Most commonly, this is used for payroll and government payments such as Social Security benefits, tax refunds or investment redemptions.

To set up a direct deposit, the payee will need to provide their bank information to the payer and complete a deposit form that includes their account number, routing number, and name and address. The bank information will be verified by the ACH, which is run by an organization called the National Automated Clearing House Association (Nacha). The payee may also be asked to provide reference information to make it easier for the payee to identify the deposit as it comes in.

Customers can check the status of their direct deposits by logging into their bank account or contacting their employer. They can also look for a confirmation message in the email they receive after their deposit has been processed. This is not the same as a cleared deposit, however, and a customer should wait until they see that their transaction has settled before using the funds. Depending on the circumstances, it can take several days for a direct deposit to settle. This can be frustrating for customers who need immediate access to their funds, but there are some ways to avoid delays, like by having a backup plan in place or setting up multiple accounts to receive payment faster.
3. Checks

Although credit and debit cards have overtaken checks in terms of popularity, physical paper checks are still important in the banking economy. A check is simply a written order to pay that instructs a bank to transfer funds from one account to another. The payor must have money available in the given account at the time of writing the check, otherwise it can bounce or be rejected by the receiving institution.

Personal checks are a good option for bills, gifts and transferring sums between two entities. They are also more secure than cash, since they require a payee to deposit the check into their bank account, thereby ensuring that only the intended recipient can negotiate the funds. Moreover, you may prefer to use a personal check when paying someone who refuses to share their online contact information or digital payment app username (e.g., Venmo or Zelle). This is because digital methods usually require exchanging information like bank account numbers, email addresses or payment app accounts.