Abstract: A revenue-producing, charge card system also manages account balances to create an investment profit for the card holder. A trust account has a trust-account balance reflecting a first amount of funds, is constructed to subsequently record debits and credits related to the balance, and is constructed for access via remote communication. A bank account has a bank-account balance reflecting an initial zero balance, is constructed to further record debits and credits related to the balance, and is constructed for access via remote communication. A debit card is constructed for communication with the trust account and the bank account, and a switch is in communication with the trust account and bank account. The trust account and the bank account are constructed for intercommunication via the switch so that a card user can pass debits and credits to the trust account through the bank account so that the funds of the trust account can be managed via the trust account.