My check was declined at walmart due to insufficient history. I haven't written a check at walmart for a long time, so telecheck declined it. Then I tried to call the phone number. 1st time got a person that I could not understand and asked to speak with someone who spoke better English. I got transferred back into the phone pool. Went through the menus again and got disconeccted. Did this 1 more time, got disconnected again! By this time I was too tired to enter the bank routing numbe, account number, check number, dollar amount & zip code etc, for the 3rd time! Ended up leaving walmart, going to the bank, getting cash & going back to Walmart to pay for my groceries! The "sorry for any inconvenience this has caused" on the phone message, doesn't make up the incompetance of telecheck! My bank account had money in it and I have good credit!