...银行，则由州金融监管机构监管；如加入FRB会员，因享有FRB的贴现窗口(Discount Window Facility)和其联邦支付系统(Federal Wire)的当日透支额度权利，则必须再接受FRB监管；如又为FDIC会员，又必需接受FDIC的监管。
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联邦税收电子支付系统 EFTPS ; electronic federal tax payment system
联邦储备系统经营 FEDWIRE ，是电子支付结算 ACH 系统的主要经营者。
The Fed operates FEDWIRE and is the main operator of the ACH system that clears electronic payments.
全国电子货币系统同商业银行卡系统的主要区别是：货币系统由联邦经营；支付构成“合法货币”。
The principal differences between a national electronic money system and commercial bank-card systems would be: The money system would be federally operated; Payment would constitute "legal tender".
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