Do you have contractors who haven't opened an account and/or don't want to give their personal credit card so workers can buy materials? Chinook Lumber in Washington State answered those needs with its Express Card. It's actually a preloaded gift card, and it functions pretty much the same way, with a few extra benefits to Chinook. For one, when a customer wants a return of more than $50 on goods that he bought with a check or cash, he can get an Express Card right away in lieu of waiting four to five days for a refund check. And customers who lack cash accounts and who don't have a receipt for the product purchased can still get a refund in the form of an Express Card.