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In today's digital economy, many people prefer to receive employment compensation through direct deposit. They also find it more convenient to pay bills and send money electronically rather than using checks. This form of electronic fund transfer is called an automated clearing house (ACH) transaction. Another form of electronic fund transfer is the wire transfer. Although the end result is the same, there are differences between the two, mainly in the cost and time of delivery....

Identity theft – or perhaps more accurately, identity fraud – occurs when someone uses your personal information, your Social Security Number (SSN) or birth date, for example, to pose as you and then apply for credit cards and loans, open bank accounts to write bad checks, redirect mail, establish cell phone service, rent vehicles, equipment or accommodations, and to get new government documents such as driver’s licenses and SSN cards....

ACH fraud is the theft of funds through the Automated Clearing House financial transaction network. The ACH network acts as the central clearing facility for all Electronic Fund Transfer (EFT) transactions in the United States, representing a crucial link in the national banking system. Payments linger in the ACH network awaiting clearance for their final banking destination....

Your computer: It's something you simply can’t live without. If you're like most people, you store years of memories in its picture files. It gives you instant access to a wide range of knowledge, both from your saved files and online. You've got those research papers and work projects on there too....