financial services, namely, banking services, money transfer services, electronic funds transfer services, bill payment services, money order services, [ credit card services, prepaid card services in the nature of adding airtime to prepaid or pay-as-you-go services that reload cash on pre-paid/secured debit cards, and that recharge minutes to pre-paid long distance calling cards; gift check services in the nature of issuing personalized gift checks akin to money orders; ] automatic teller machine services, debit and stored value card services and direct deposit of funds into customer bank accounts; automated clearing house deposit services