Telecheck — I am still burned about it!
Attempted to pay for my $104 purchase at Wal-Mart with my personal check which was declined. This account had a several thousand dollar balance. I ended up using my debit card tied to the same account and of course it was accepted. I called Telecheck and after providing all the info she requested, I was told that somehow my check routing $'s and my account # got linked to someone else and she would correct it, but advised me not to try another check for 3 days until the computer system could update itself!
I drove 50 miles from my small town to that WalMart... what if I did not have a debit card or credit card to use in place of a personal check? I would have to drive home without my purchase, thats what would happen!! In the end I got my merchandise, but only after being humiliated in front of a long line of customers behind me. I am still burned about it!