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i do not know (: An EFT is sent by the host processor to take place from a persons checking account(This is when the card holder is requesting cash).Once the funds are transferred to the host processors account, the messenger will send an approval code to the ATM to dispense cash.Now a disadvantage of an EFT would be that anyone who has the card and knows the password can perform an EFT which is completely unsafe.An advantage of EFT is that a cardholder can withdraw money from his account anywhere which makes it very convenient.

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