TeleCheck is the company you call up to whenever you have a problem with a store declining your personal check. While other consumers are consistently experiencing problems, forcing them to find retailers that don’t use these check acceptance companies.
Below, we’ve provided a list of retailers that do not use TeleCheck, along with a list of retailers that use these companies, so you’re not left wondering about your favorite retailer.
Check acceptance companies verify personal, payroll, and other types of checks. For stores that use them, the verification system is typically integrated with the registers. This means if the electronic verification fails when the purchase is being processed, your check will be declined.
There are four major check acceptance companies in the United States:
Certegy: Used by stores, merchants, and retailers; the largest retail check acceptance company
TeleCheck: Used by stores, merchants, and retailers
ChexSystems: Used by banks, financial institutions, and payroll companies
Early Warning Services: Primarily used by banks and financial institutions
Services like Certegy and TeleCheck are used by merchants as a form of fraud protection. The verification process uses “predictive models” to look for possible fraudulent activity, such as check writing habits.
Even more, if your check-writing history seems potentially risky, the system will flag your check and the store may not accept it.
Unfortunately, this verification process is not always accurate. Many people have reported having their checks rejected by TeleCheck or Certegy when they have plenty of funds to cover the check, and the system does not give a specific reason for turning the check down at the register or point of sale.
This means trying to straighten out a Certegy or TeleCheck refusal can be a huge hassle.
Contacting Certegy or TeleCheck can help you resolve your issue and perhaps prevent future check acceptance issues.
Additionally, if you’ve had a checked denied by Certegy, you can use the declined check look up to try to identify the problem or call Certegy at (800) 237-3826.
Even more, with TeleCheck you may dispute any inaccurate personal information in its database by filling out its reporting form or call TeleCheck at (800) 366-2425.
If you believe your acceptance issue may be due to an error or identity theft, you may want to request your file disclosure report on Certegy’s website or Telecheck’s website to confirm whether there are any inaccuracies on your record.
However, if there are any issues, you can file a dispute, which may help you remove these errors from your record.
Stores That Don’t Use TeleCheck or Certegy
There are some national and regional chains that do not use Certegy or TeleCheck to process personal checks. Instead, these stores use their own verification methods, like storing your check writing history with them or requiring you to sign up for their store card and activate checking privileges.
However for many, their method is as simple as requiring that you show a government-issued, photo ID.
Grocery Stores That Don’t Use TeleCheck or Certegy
BJ’s Wholesale Club
Check verification method: Must be a BJ’s member; must present a valid government-issued, photo ID with check
While there are a few stores that don’t use check acceptance services, we found that most of the largest retailers use either Certegy or TeleCheck to verify funds before accepting a check.
However at these stores, you’ll want to use a different payment method like cash, debit, or credit if you’re trying to avoid TeleCheck or Certegy.
Grocery Stores That Use TeleCheck or Certegy
Food Lion: Certegy
Giant Food: TeleCheck
Harris Teeter: Certegy
King Soopers: Certegy
Piggly Wiggly: Certegy
Stater Bros. Markets: TeleCheck
Stop & Shop: TeleCheck
Department Stores That Use TeleCheck or Certegy
Big Lots: Certegy
Dollar General: Certegy
Family Dollar: TeleCheck
Kmart: Certegy (Want more information on Kmart?
Kohl’s: Certegy or TeleCheck, depending on location
Walmart: Certegy or TeleCheck, depending on location
Pharmacies That Use TeleCheck or Certegy
Rite Aid: Certegy
Check Cashing Stores That Use TeleCheck or Certegy
ACE Cash Express: Certegy
Check ’n Go: Certegy
Money Mart: Certegy
United Check Cashing: Certegy
Other Stores That Use TeleCheck or Certegy
Bed Bath & Beyond: Certegy
Best Buy: Certegy
Dollar Tree: TeleCheck
The Home Depot: TeleCheck
1. What is TeleCheck?
TeleCheck is a check acceptance company. TeleCheck helps more than 374,000 merchant locations decide whether to accept check transactions by analyzing information about check transactions that previously have been sent through its system.
2. Is TeleCheck telling the store that my check transaction is not good?
No. TeleCheck never tells a store that a check is good or bad. If your check is not approved, it simply means that TeleCheck does not have enough information about your check to approve the transaction or that you may have an unpaid check or debt.
If you’ve experienced problems with either TeleCheck or Certegy accepting your check, you may turn to a store that doesn’t use one or both of these check acceptance companies. We’ve provided a list of stores that do and don’t use TeleCheck or Certegy, so you know which stores to consider for cashing your check.
We hope this article has been helpful to you. Please share it with anyone who you think will appreciate the information!