Incorporating the property of transferability into an offline electronic cash (e-cash) system has turned out to be no easy matter. Most of the e-cash systems proposed so far do not provide transferability. Those who support transferability are either inefficient or requiring to be online with the help of a trustee. In this paper we present an efficient offline transferable e-cash system. The computational complexity of our system is as light as a single term e-cash system . Besides, no trustee is involved in the transfer protocol. In addition to it, we propose two e-check systems constructed using similar techniques to our e-cash system. One is as efficient as a single term e-cash system and supports partial unlinkability. The other one provides complete unlinkability with a more complex setting.