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iOS 9's ability to access Wallet, née Passbook in iOS 8, from an iPhone's lock screen is a feature partially borrowed from Apple Watch.

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Banks cannot charge ATM overdraft fees if you opt out.

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If you don't have your ATM card though, you can use a service provided by PayPal called Xoom to transfer money directly to a Chinese bank account.

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He concludes, “And if you prevent just one fraudulent check from clearing, it's well worth the money that you pay for the service.”

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