Financial institutions such as banks spend a large amount of money on the processing of paper checks, and typically are not reimbursed for such costs by {HEAD ~ consumers} who typically use {TAIL ~ free checking accounts} 
typically use
Financial institutions such as banks spend a large amount of money on the processing of paper checks , and typically are not reimbursed for such costs by { HEAD ~ consumers } who typically use { TAIL ~ free checking accounts }
OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH HEAD HEAD HEAD HEAD HEAD OTH REL REL TAIL TAIL TAIL TAIL TAIL TAIL TAIL