1) Which is true of FedGlobalSM ACH Payments offered by Federal Reserve Bank Services?

a. A fixed-to-fixed transfer method allows converted check payments to be settled during the current processing day b. The fixed-to-variable option allows funds from accounts at a U.S. depository institution to be retrieved by any receiver at a participating bank location

c. FedGlobal provides a framework for cross-border debit payments between 35 countries

d. An account-to-account transfer is used to distribute ACH credit payments between deposit accounts