Beware that any merchant who uses Telecheck can claim deniability for any of their practices. If you write a check that does not clear your bank on the first attempt, but does clear on the second attempt, you will still be charged a $25.00 non sufficient funds fee which Telecheck WILL NOT reverse, even though the merchant received payment for the merchandise you purchased. This is a very convenient method for Telecheck to make money off of a transaction that occurred between two outside parties. Since many major retail outlets/stores now use Telecheck, it is highly recommended that you use other means of payment if possible. These agencies collect millions of dollars off of unsuspecting consumers every year. The best way to fight these practices is to take away their means of profit.