Examples of electronic terminals include automated tellers, point-of-sale terminals, and electronic cash registers. Types of transfers are exemplified by point-of-sale transfers, direct deposits of payments to consumers, automated payments from consumer accounts to third parties, and telephone-initiated transfers. Cash, check, or paper instrument transfers are excluded, as are transfers from terminals that cannot provide paper receipts. The regulation applies to share accounts; checking accounts; and NOW accounts for personal, family, or household use. The financial institutions involved are banks, mutual savings banks, credit unions, and those holding consumer accounts (e.g., American Express automated terminals at airports). Areas intentionally omitted by Congress are composite checks for direct deposit, automatic debiting by financial institutions, payroll deductions and savings plans, and escrow accounts. Specifically excluded are check and paper instrument transfers, business-to-business wire transfers, purchase or sale of commodities or securities, unique telephone transfers not part of a plan, trust accounts, and automatic inter-institutional transfers without request from the consumer.