1) People use checks because of the convenience and rank "don’t like to carry cash" and "don’t like to charge" as the primary reasons for preferring checks.

2) Half the U.S. shopping public cannot qualify for a credit card and therefore, shop regularly with checks.

3) $2.8 trillion in checks were written in 1994, dwarfing all other payment methods, except cash.

4) 94% of survey respondents currently had checking accounts. 50% of the population currently have credit cards.

5) 90% of all financial transactions are made by check.

6) 70% of the population does not use debit cards for retail purchases. Of those using debit cards, less than 30% use debit to replace "cash" transactions - not "check" transactions.

7) 48% of survey respondents said that they preferred using checks above any other method.

8) Checks are expected to grow more than 75% in the next ten years. Nearly twice the amount of growth in cash purchases and 3 times that of credit card growth.

9) In a recent Master Card survey, over 25 million Americans cannot get credit because of troubled or non-existent credit histories.

10) Only 1 out of 4 checking account customers hold credit cards with available credit.