Computer chips are seen on newly-issued credit cards. In an effort to reduce counterfeiting and credit card fraud, more than 200 million payment cards have been issued with embedded computer chips in the U.S. ahead of an Oct. 1 deadline, according to the Smart Card Alliance. Mike Blake/Reuters/Landov hide caption

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Lunch at the West Salem School District in Wisconsin. Michelle Kloser/ for NPR hide caption

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A customer uses a Bank of America ATM in Los Angeles. The bank plans to start charging a $5 monthly fee for customers who use their debit card for purchases starting early in 2012. ATM transactions would still be free. Kevork Djansezian/Getty Images hide caption

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