I had a very similar experience with Wal-Mart and Telecheck. Except that Wal-Mart did redeposit my check about 3 days later, it did clear, and I did receive some phantom $25 charge. During all of this, there is no notification, either by Wal-Mart or this stupid Telecheck that they would mysteriously debit the additional $25 charge for re-depositing. Of course, the re-deposit that immediately cleared my bank was not "updated in their records yet." So I asked the young foreign lady who recited to me that there was a fee but could not explain beyond the script, "so you are telling me that Telecheck basically just randomly debits whatever money they feel like from your account whenever they feel like it, and there is no accountability on the part of Telecheck for these inappropriate actions?"
Her verbatim answer to me (which was recorded for "quality" purposes) was "yes sir, that is correct."
I repeated, "there is no accountability in the Telecheck company for improper treatment of customers. They do whatever they feel like doing?"
Her answer, "yes sir, that is correct. No accountability. We just take the money.
It's nice to know that Wal-Mart does business with a company that has no problem telling their customers "that's correct sir. No accountability. We just take the money."