I would agree but the only reason I separate atm withdrawals was because your nacha article did > The Fed also reported that card fraud went from accounting fo

I would agree but the only reason I separate atm withdrawals was because your nacha article did > The Fed also reported that card fraud went from accounting for less than two-thirds of the value of fraud in 2012 to more than three-quarters in 2015. “The fraud rate, by value, of card payments and ATM withdrawals combined increased from 7.99 basis points to 10.80 basis points,” the survey found. Peculiarly about a different set of years