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The structure of the charges can vary depending on payment method (by direct debit, pre-payment meter, or credit transfer such as cheque), on whether it is an internet-only tariff, which part of the country the customer lives in, if the deal involves a fixed price, when the deal was launched, how long it lasts, and so on.
BBC: Ed Davey announces 'four core tariff' plan
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In most wealthy countries, even cash-obsessed Germany, such transactions are done by bank-to-bank transfer, direct debit or, at a minimum, by cheque.
ECONOMIST: Direct debit
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Ally Bank and ING Direct both offer fee-free checking accounts and debit cards.
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Generally, you have to use direct deposit, electronic statements, and your debit card 10-15 times per month.
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The majority of payments are received via direct deposit or applied to a debit card, eliminating the need for personal check-cashing.
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The dollar you spent using your debit card at a restaurant tonight is identifiably the same one your employer direct-deposited in your account last week, which is precisely the same dollar that your employer collected electronically from its client last month.
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