The services that the stores are using have access to your bank, to check on your balance. If you call your bank after hours, you will get their after hours banking service, and see that when stores use these check approval systems, you bank will say " you have one debit memo". if you put the correct number in the phone, they will tell you the date and amount. A day or two later the bank will say check number for $00 on date. So, they do have access to your bank. That is how they are protecting them selves for bounced checks. I know that because I call my bank when I get home from the store to make sure they do not charge too much. and the debit cards are not that great. Every time Wal-mart slids my card through the machine for a purchase, and I get home to check on it, they charge me twice for the same purchase, and it takes two days, to get credit (my money back).Actually the store has every right tell you they don't want to accept your check. Many stores don't accept checks at all. It's too risky to extend credit on a check that is so, so easily forged. If you want to be mad at someone, blame your bank. They are not doing anything to make check payments secure. You are welcome to pay with cash because it is accepted everywhere. It is legal tender for all debts, public and private. Your check is not.:) We are constantly hearing that Americans have billions of dollars of credit card debt because they are living above their means. Some of them are writing bad checks and forcing stores to get guarantees on the checks they accept, but denying credit to others who may be rich.
yes, I would rather use cash, but employers (including stores) want direct deposit. And that is a pain, to have to go to the bank or ATM to get your money, I would rather be given a check and one trip to the bank.