Abstract: A unique and novel method is disclosed whereby funds are made available in a secure fashion to people who do not have bank accounts but want the security of a direct deposit system. Employers receive the benefit of the reduction in paperwork and increase in safety, and the employee receives also safety in obtaining funds at greatly reduced costs and fees to the employee. This system uniquely operates using the return or refund portion of a retailers POS system at the cash register or through their customer service desk. This method also works with people wanting to transfer funds to others in a safe manner with reduced fees. This unique method uses a single transaction process to reduce complicated back end systems hardware and architecture to calculate remaining balances. Vendors benefit from this system in that they are able to accomplish the number one goal of any retailer: getting the customers into their stores.