I went to WalMart and had a basket full of groceries and was declined after the clerk ran my check. I was completely humilated and annoyed because I have never had issues using checks in the past. The clerk gave me Certergy's number and I called and they told me that since I was not in there database I could not write checks in any of the stores that they monitor... What a joke, these companies are losing money because of this, after that incendent I went right to Price Chopper and had no problem writing a check.(Price Chopper does not use Certergy)