Financial services, namely, money transfer services, electronic funds transfer services, bill payment services, automated clearing house services, electronic transfer of government monetary benefits, electronic check re-presentment services, conversion of negotiable instruments to electronic payment transactions, processing payments to third parties, direct debit accounting services, electronic credit and debit transactions, official check processing and issuance, electronic debit card and credit card transaction processing; check and draft processing; financial risk management services; processing monetary government benefit payments; processing and disbursement of payments associated with coupons, rebates, and gift certificates for third parties