Patty supports a sustainability initiative at her bank to be paperless. Each time the bank issues checks or sends out a paper statement, it includes a promotion asking customers to support methods that eliminates paperwork. She encourages customers to use debit cards, smart cards, direct deposit and direct payments, as well as online statement retrieval. All of these tools are used in conjunction with the bank's ___________.
a. electronic funds transfer system
b. automated deposit system
c. check clearinghouse system
d. limited documentation checking program
