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Wal-Mart (WMT -0.1%) is one step closer to looking like a bank after the FDIC approves deposit insurance for funds held in Bluebird debit and checking accounts under a joint venture with American Express (AXP +1.3%). Deposit accounts under the Bluebird program now feature the ability for customers to direct deposit social security payments, military and government paychecks, and tax refunds.
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