; or (B) any credit union that is eligible to make application to become an insured credit union under section 201 of the Federal Credit Union Act ( 12 U.S.C. 1781 ). (2) Member bank The term member bank has the meaning given the term in the third undesignated paragraph of the first section of the Federal Reserve Act ( 12 U.S.C. 221 ). (b) Prohibition No covered credit union, member bank, or State-chartered non-member bank with more than $100,000,000,000 in total consolidated assets, or a subsidiary of the covered credit union, member bank, or State-chartered non-member bank, may use the Automated Clearing House Network if that member bank, credit union, or subsidiary of the member bank or credit union, refuses to do business with any person who is in compliance with the law, including section 8 of this Act. 8. Fair access to financial services (a) Definitions In this section: (1) Bank The term bank — (A) means an entity for which the Office of the Comptroller of the Currency is the appropriate Federal banking agency, as defined in section 3 of the Federal Deposit Insurance Act ( 12 U.S.C. 1813 ); and (B) includes— (i) member banks; (ii) non-member banks; (iii) covered credit unions; (iv) State-chartered non-member banks; and (v) trust companies. (2) Covered bank (A) In general The term covered bank means a bank that has the ability to— (i) raise the price a person has to pay to obtain an offered financial service from the bank or from a competitor