Old thread but a quite stupid TJ Maxx " policy".? They turn down checks for no good reason. In fact, I'm the same age bracket and geographic location ( Altoona, PA) as the poster...simply a few years later. 700 bucks or so in the account for an 85 dollar purchase, valid PA ID, no reason to deny. They give some horse crap bad check pattern blah blah blah. With current technology, the check transaction should be immediately confirmable. I think it's completely TJ policy and not the confirmation service they use.