Orchard Supply Hardware declined my check for $678 from an account where I had over $40, 000. I was stunned. The number they gave me at OSH led to Certegy. Certegy explained that it had to do with "patterns" of checks where they felt uncomfortable guaranteeing the check to OSH. What "patterns"? Did they call the bank? Access the account? Anything? He couldn't say. Excuse me?!?!?! His supervisor, Nathan Hunt, couldn't say either. But if I cared to fill out a form and get "Certegy Gold" certified, it might not... read full review »