Stores That Don’t Use TeleCheck

If you have ever experienced an embarrassing incident where a store declines your personal check, you may have been asked by the store cashier or manager to contact either TeleCheck or Certegy to remedy the issue. These check verification services are also known as check acceptance services, and many retailers use them to verify and process personal checks in stores. Unfortunately, there are some stores that don’t use TeleCheck.

When these issues occur, a good number of consumers are able to correct the problem with their personal check through Certegy or TeleCheck, while some people consistently run into issues at stores when presenting personal checks. These consumers are often forced to find stores that don’t use either of these check verification services to validate personal checks.

Here is a comprehensive list of retailers that don’t use Certegy or TeleCheck, and a list of stores that do use these services.

What Are Check Verification Services?

Check verification providers have the ability to verify many different kinds of checks, including payroll and personal checks. For retailers that use their services, the verification system is built right into the cash registers. This essentially means that when the automatic electronic verification approval fails as the cashier processes the sale, your check is automatically declined.

In the United States, there are typically four different services that offer check acceptance and verification.

These are ChexSystems, Early Warning Services, Certegy, and TeleCheck. ChexSystems and Early Warning System are used by payroll companies, banks, and financial institutions like credit unions. Certegy is used by merchants, retailers, and stores, and it is considered to be the biggest retail check verification company. TeleCheck is also used mainly by merchants, retailers, and stores.

Merchants use services like TeleCheck and Certegy to protect against possible fraud as the acceptance process automatically looks at the customer’s background for outstanding returned checks or issues with the checking account the personal check is written against. They also use predictive models to determine if there is a possibility of fraud. In the event that the check seems to be a risk, the verification service will flag the check, and the retailer will not be able to accept it.

There are times when the verification service is not accurate in the approval process, and mistakes are made. Scores of consumers have reported bad experiences of having their checks rejected by Certegy or Telecheck when there are funds available to cover the personal check. Also, the check verification service may fail to provide a specific reason for declining the transaction at the point of sale or register. It can also be embarrassing and a hassle for consumers at the register when these issues arise.

Here are some businesses and stores that dont use TeleCheck or Certegy:

Check Cashing Companies

 Speedy Cash, Check Into Cash, PLS Check Cashing, The Check Cashing Store, Community Financial Service Center, and Pay-O-Matic

Grocery Stores that Don’t Use TeleCheck

 Vons, WinCo, Jewel-Osco, BJ’s Wholesale Club, IGA, Hannaford, Giant Eagle, and Food 4 Less If you have gone shopping, presented a personal check for payment, and experienced problems with Certegy or Telecheck, you always have the option of going to a store that does not use one of the check verification services. We have included a convenient list of check cashing companies and grocery stores that don’t use Telecheck or Certegy to make it easier for you to shop with peace of mind.

Publix Coin Machine

Quick Response: Publix supermarkets do not contain Coinstar machines for you to count coins. Instead, they have their own proprietary brand of coin counting machines within their grocery stores. The advantage to the Publix coin machine is that they do not have a limit on how many coins you are able to have counted in one visit. The downside is that these machines do charge a fee of either nine or ten percent of your final coin counting transaction total. To learn more about the Publix coin machines and their availability, keep reading.

Availability of Publix Coin Machines

Publix supermarkets do not offer Coinstar branded machines. They do offer the same service to customers in the form of their Publix Self-Service Coin Counting machines. According to the company’s customer service department, these coin counting machines are found close by the entrance to the store in most of the Publix locations.

Our staff contacted the company grocery stores located in Tennessee, North Carolina, Georgia, Florida, and Alabama to confirm the presence and location of the coin conversion machine service at the Publix stores.

Costs and Limitations

The Publix branded Self-Service Coin Counter machines assess a flat rate charge of either nine or ten percent of the final transaction. Good news is that the store does not enforce any limits on the total numbers of coins (or dollar amount) that you can change using the machine, according to the company customer service representatives.

Options for Payment

The company coin counter machines provide the service of changing coins into bills for Publix customers. After you have placed all of your coins into the coin counter, the machines provide a receipt. This gives you a total dollar amount that you take to customer service. The staff at this counter will redeem the receipt for cash. One caveat is that you can not receive a payment in the form of store credit, donations to charity, or gift cards.

Coinstar Compared to Publix Self-Service Coin Counter Machines

Coinstar has one main advantage over the Publix coin machine. They provide a number of additional payment form choices versus the Publix machines. Coinstar gives you the ability to obtain cash, to receive an eGift Card valid at a range of stores including Amazon, Sephora, or Lowes, or to donate your total cash payout to charity.

Publix coin counter machines have their own advantage over Coinstar. The Publix machines assess a lower charge for the service of converting your coins into bills. At the time of publication, Coinstar was charging 11.9 percent of the final cash amount for their fee. You can avoid this fee entirely with Coinstar by selecting to receive your payment in the form of an eGift Card. Publix does not offer a payment option that allows you to get around their fee.

Other Stores that Offer Coin Counting Services

There are many other locations that offer similar coin-counting machine services. Read our article to learn about more than 45 other stores that feature the service of coin counter machines.