Financial services, namely, banking services, money transfer services, electronic funds transfer services, bill payment services, money order services, credit card services, on-line prepaid card services, automatic teller machine banking services, providing debit and stored value card services, direct deposit of funds into customer bank accounts, automated clearing house deposit services, and currency exchange services; on-line auction payment and settlement services, namely, providing secure commercial transactions and payment options; prepaid card services in the nature of making payments for adding airtime to prepaid or pay-as-you-go wireless services, reloading cash on pre-paid/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