"It does put Rapid Cash behind them." The company also said it expects a one-time pretax gain in the first 1999 quarter of up to $150 million, or 8 cents a share, for the sale of its interest in Electronic Payment Services Inc., which owns the MAC ATM network. Concord EFS Inc. of Memphis agreed last month to pay about $1 billion in stock to Bank One and its four co-owners. Bank One also anticipates a gain of $250 million to $300 million for the anticipated first-quarter sale of Indiana branches to Union Planters Corp. of Memphis. The gain would offset some merger charges, reducing the anticipated post-merger costs of $1.5 billion to the net figure of about $1.25 billion