Does Walmart Use Telecheck And Certegy To Verify Checks? [Full Guide]

TeleCheck and Certegy are check-verification services used by many retail corporations to avoid accepting checks that are likely to bounce.

Since Walmart is one of the largest and most popular retail chains in the U.S., you may be wondering: does Walmart use Telecheck and Certegy? Here is what I’ve found out through my research!

Does Walmart Use Telecheck And Certegy To Verify Checks?

Yes, most Walmart stores use Telecheck, while some use Certegy to verify checks before accepting them. Both services use information like your ID and history of transactions to either approve or deny your check. If denied, you can inquire about the reason and view your reports.

If you want to know more about the process, Telecheck and Certegy use to verify your check, reasons for why your check could be denied, and what to do about it, keep on reading!

How Does Walmart Use Telecheck And Certegy To Verify Your Check?

When you go to the check-out counter and present your check to the cashier, you will be required to show a valid government-issued photo ID.

The cashier will then scan your ID and check and process it using either Telecheck or Certegy.

The verification service takes your ID and banking information and compares it with information in its database.

It also runs a statistical analysis of your check compared to all the checks it has already processed and approved. Once the verification is complete, you will get your check back with a receipt to sign.

This receipt will notify you whether your check was accepted or declined. It also contains information needed to contact TeleCheck or Certegy in case your check was denied.

Do Telecheck And Certegy Check Your Account Balance?

No, Telecheck and Certegy do not check your account’s balance since they do not have access to it.

However, they use your information stored in their database and statistical analyses to evaluate the risk of the check getting bounced.

Why Would Telecheck And Certegy Decline Your Check At Walmart?

Your check could be declined by Telecheck or Certegy for any of the following reasons:

  • The service simply does not have enough information about you in its database
  • You have a history of unpaid checks or debts
  • Your transaction matches closely the risk profile of a fraudulent transaction

In the first case, you can contact Telecheck or Certegy and update your information with them so that your check is not rejected the next time you use it at Walmart.

For the third case, the service only ‘predicts’ whether there is a risk of the check being a fraudulent one, and advises Walmart accordingly. There is very little you can do if your check is denied for this reason.

How Can You Find Out Why Your Check Was Declined At Walmart?

The receipt you get once your check has been scanned contains information you can use to contact Telecheck or Certegy regarding the status of your check.

Once you contact the service, you can ask them about the exact reason why your check was declined at Walmart.

How Can You Check If Your Local Walmart Uses Telecheck Or Certegy?

Since both Telecheck and Certegycompanies have slightly different policies regarding check verification, you may want to know which one your local Walmart store uses so that you can make sure your check does not get denied.

To do so, you can use the Walmart Store Finder to get the contact number and open hours of nearby Walmart stores and ask them about the check verification service they use.

For more information, you can also see if Walgreens uses Telecheck, what the Walmart policy is on building cases against theft, and also if Walmart accepts handwritten checks.

Conclusion: Does Walmart Use Telecheck And Certegy?

Walmart does indeed use Telecheck and Certegy at its 4700+ stores all over the country. Both services primarily use your banking information and personal ID to check its database for your records and analyze the risk of your check being a fraudulent one. You can contact both services to find out the reason for your check getting declined.

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Marques Thomas

Marques Thomas graduated with a MBA in 2011. Since then, Marques has worked in the retail and consumer service industry as a manager, advisor, and marketer. Marques is also the head writer and founder of

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