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February puzzle

WORD LIST:
AMPED CHECKING
APPLE
AUTO LOANS
BANKRUPTCY
CASHIER CHECK
CERTIFICATE
CHEXSYSTEM
COURTESY PAY
CREDIT SCORE
DEBIT CARD
DEBT PROTECTION
DRIVERS LICENSE
EDUCATION
ELDER ABUSE
EMPLOYER CODE
FLOWER
FRESH START
HELOC
HERO CHECKING
MEMBER SERVICE
MONEY MARKET
MORTGAGE
OFAC
QUALITY LOOP
RECREATIONAL
REG E
SAVINGS
SAVINGS OVERDRAFT
SHARED BRANCHING
TRANSFER
VISA