As is common payroll procedure for most employers, penelope's company her paycheck semimonthly into her checking account. this is a paperless process and no check is issued to the employee. by logging into her personnel system, penelope has record of the net pay that was deposited into her personal checking account and an account of how much was taken out for taxes, medicare, social security (fica), and other deductions. penelope's company has adopted an efficient system. a. debits; enterprise funds transfer b. debits; electronic funds transfer c. direct deposits; electronic funds transfer d. markets; smart card