... working toward long-term financial security.37309_Text_AA2:0117 4/9/08 6:37 AM Page 16 Your Credit, Your Home, and Your Future A Guide to Better Credit, Money Management, and Responsible Homeownership 17Goal ... ServicesATMAn ATM, or automated teller machine, is a machine you can use 24 hours a day to make deposits, withdrawals, and transfer money. Unlike a checkcashing company, the financial institution ... bank service that allows you to make payments, checkaccount balances, transfer money between accounts, obtain account history,stop pay ments on a check, and obtain general bank information at...