We tried to purchase an item at Walmart with a check. Although there was enough money in our account, we were denied six times by Telecheck.
Needless to say we didn't make the purchase. However,after calling Telecheck we were told that since this was the first time they had seen with our account and routing number we were denied. Also we were told, we didn't write enough checks and therefore they would probably never approve a check by us. We told Telecheck we would never shop where stores used them.
So Walmart pays a third party a substantial amount of money namely Telecheck to deny them business.
Although they have our picture ID, address etc. as proof this is not a fraudulent transaction.
Product or Service Mentioned: Walmart Account.