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ATM YOU MAKE A $1.05 OR MOR PER TRANSACTION cUSTOMER RUNS THERE CARD FOR $20 $30.00 ETC GET AUTHORIZATION THEY GIVE YOU RECEIPT OYU GIVE THEM CASH FROM REGISTER YOU GET MONEY BACK INTO YOUR CHECKING ACCOUNT. yOU GET TOTALS CREDITS ONCE A MONTH. LIFETIMEWARRANTY FREE PAPER AS BIG AS A PHONE BOOK.