16 Stores Don’t Use TeleCheck or Certegy (+ Those That Do)

If you’ve ever had a problem with a store declining your personal check, you might have been asked to call Certegy or TeleCheck about the problem. These companies, usually referred to as check acceptance companies or check verification companies, are used by many retailers in the U.S. to process and verify checks.

While some consumers are able to remedy their check problems with Certegy or TeleCheck, others consistently experience problems, forcing them to find retailers that don’t use either of these check acceptance companies.

Below, we’ve provided a list of retailers that do not use TeleCheck or Certegy, along with a list of retailers that use these companies, so you’re not left wondering about your favorite retailer.

What Are Check Acceptance Companies?

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 includes the examination of customer records for past returned checks, unpaid checks, or checking account issues. They also use “predictive models” to look for possible fraudulent activity, such as check writing habits. 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. 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. 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. 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. For many, their method is as simple as requiring that you show a government issued, photo ID.

Here’s the list of stores that don’t use TeleCheck or Certegy at the time of writing. Keep in mind that a store’s check verification method may change; you may want to contact your local store to double-check its policy.

Check Cashing Stores That Don’t Use TeleCheck or Certegy

Check Into Cash

  • Check verification method: Must present a valid government issued, photo ID with your check
  • Source: Call to customer service
  • Find a Check Into Cash store

Community Financial Service Center (CFSC)

Pay-O-Matic (New York)

  • Check verification method: Must present a valid government issued, photo ID with your check
  • Source: Call to customer service
  • Find a Pay-O-Matic store

PLS Check Cashing

  • Check verification method: Must present a valid government issued, photo ID with your check
  • Source: Call to customer service
  • Find a PLS Check Cashing store

Speedy Cash

  • Check verification method: Must present a valid government issued, photo ID with your check
  • Source: Call to customer service
  • Find a Speedy Cash store

The Check Cashing Store (Florida)

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
  • Source: Call to customer service
  • Find a BJ’s Wholesale Club

Food 4 Less

  • Check verification method: Must present valid government issued, photo ID with check
  • Source: Call to customer service
  • Find a Food 4 Less store

Giant Eagle

  • Check verification method: You must have a Giant Eagle Advantage card with the ability to cash checks. You can apply for the card with just a valid ID but approval can take as long as two days.
  • Source: Call to customer service
  • Find a Giant Eagle store

Hannaford

  • Check verification method: Must present valid government issued, photo ID with your check
  • Source: Call to customer service
  • Find a Hannaford store

IGA

  • Check verification method: Must present a valid government issued, photo ID with your check (individual store’s check policies may vary)
  • Source: Call to customer service
  • Find an IGA store

Jewel-Osco

  • Check verification method: Must present a valid government issued, photo ID with your check
  • Source: Call to customer service
  • Find a Jewel-Osco store

Vons

Note: While Vons does not use check acceptance services, this chain’s parent store, Albertsons, does use Certegy.

  • Check verification method: Must present a valid government issued, photo ID to use checks
  • Source: Call to customer service
  • Find a Vons store

WinCo

  • Check verification method: Must present a valid government issued, photo ID when paying with a check
  • Source: Call to customer service
  • Find a WinCo store

Stores That Use TeleCheck or Certegy

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. 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. Here’s the list of the national and regional chain stores that use these services, and which service they use. We confirmed this information by contacting customer service.

Check Cashing Stores That Use TeleCheck or Certegy

  • ACE Cash Express: Certegy
  • Check ’n Go: Certegy
  • Money Mart: Certegy
  • United Check Cashing: Certegy

Department Stores That Use TeleCheck or Certegy

  • Big Lots: Certegy
  • Dollar General: Certegy
  • Family Dollar: TeleCheck
  • Kmart: Certegy (Want more information on Kmart? Read our in-depth article on Kmart’s practices.)
  • Kohl’s: Certegy or TeleCheck, depending on location
  • Sears: Certegy
  • Target: Certegy
  • Walmart: Certegy or TeleCheck, depending on location

Grocery Stores That Use TeleCheck or Certegy

  • Albertsons: Certegy
  • Brookshire’s: Telecheck
  • Costco: Certegy
  • Food Lion: Certegy
  • Giant Food: TeleCheck
  • Harris Teeter: Certegy
  • King Soopers: Certegy
  • Kroger: Certegy
  • Piggly Wiggly: Certegy
  • Publix: Certegy
  • Safeway: Certegy
  • Shaw’s: Certegy
  • Stop & Shop: TeleCheck
  • Wegmans: Certegy
  • Winn-Dixie: Certegy

Pharmacies That Use TeleCheck or Certegy

  • CVS: TeleCheck
  • Rite Aid: Certegy
  • Walgreens: Certegy

Other Stores That Use TeleCheck or Certegy

  • Bed Bath & Beyond: Certegy
  • Best Buy: Certegy
  • Dollar Tree: TeleCheck
  • Lowe’s: Certegy
  • Staples: Certegy
  • The Home Depot: TeleCheck

In Summary

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. You may also want to request a copy of your file report from TeleCheck or Certegy, to check for errors or possible instances of identity theft. If your record is inaccurate, you can file a dispute and may be able to have the error(s) removed.

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