Financial services, namely, banking services; remittances; money transfer services; electronic funds transfer services; bill payment services; money order services; credit card services; automatic teller machine services; debit and stored value card services; direct deposit of funds into customer bank accounts; automated clearing house deposit services; on-line auction payment and settlement services; prepaid card services in the nature of 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