Abstract: 1. The invention allows the use of an ordinary bank check with the exception, the CC.TM. bank check will have a magnetic stripe carrying the necessary data to be read by a magnetic swipe-style reader. The magnetic swipe-style reader will transfer the data to a programmed computer system. The CCS.TM. account holder of the CC.TM. bank check will use the CC.TM. bank check to verify his credit and to transfer funds for the payment of his purchases at the point-of-sale.2. The CC.TM. bank check may have a bar code carrying the necessary data to be read by a bar code optical/laser reader. The bar code optical/laser reader will transfer the data to a programmed computer system.