financial services, namely money transfer services; electronic funds transfer services; bill payment services; debit and stored value card services; direct deposit of funds into customer bank accounts; automated clearing house deposit services; prepaid card services in the nature of adding airtime to prepaid or pay-as-you-go wireless services; reloading cash on pre-paid or secured debit cards, and recharging minutes to pre-paid long distance calling cards; and gift check services in the nature of issuing personalized gift checks akin to money orders; all from multiple user access points, such as automated teller machines, point-of-sale transfer points, the internet, mobile telephones, and the like, using cash or electronic funds transfer services