Credit Discrimination: 2.2.2.4 Check-Cashing and ATM Cards
Denial of an automated teller machine (ATM) card that merely accesses a savings account, without providing any accompanying overdraft privileges, has been found not to involve the right to defer payment of a debt and therefore not to involve “credit.”49 Another court also found a store’s check-cashing service to be a customer accommodation rather than an extension of credit.50 Accepting payment by check, rather than cash, does not involve credit.51