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A personal identification number is not needed for which of the following forms of electronic funds transfers?
Sheltered Bays
Coastal water bodies that are protected from strong waves and currents, often by landforms around them.
Glacial Streams
Streams of meltwater from glaciers, carrying melted ice away from the glacier and often depositing loads of sediment.
Sea Level
The average height of the ocean's surface between high and low tide, used as a reference point for measuring elevation and depth on Earth.
Global Sea Level
The average height of the world's oceans' surface, influenced by factors such as climate change, glacial melt, and tectonic activities.
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