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Another Reason to Avoid WAL-MART

Posted Thu November 2, 2006 12:00 pm, by William T. written to Wal-Mart

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Today I went into a local WAL-MART and figured I'd save time and cash my payroll check while there. BAD IDEA!!! FYI to those of you that use that particular service. WAL-MART has a 3rd party verification system in place called "Certesy Check Services" those brilliant rocket scientists determined since my check was 41 bucks over the amount it normally is ( ever hear of O.T? ) they wouldnt cash it due to "possible fraud" !!!! Ok... I've always thought and still feel 90% of WAL-MART employees are lazy, uneducated and are totally clueless when it comes to Customer Service.. now I'm convinced companies in Partnership with the evil empire are just as bad. All n ALL I just wanted others out there to know why many Americans HATE WAL-MART's despite the low prices. I'd rather spend a few more dollars and deal with Competent people than the masses of Idiots employed by that Clueless Organization......
I HATE WAL-MARTS and will NEVER set foot or spend one cent in any of their stores ever again!!


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by Jason W. Posted Sat July 6, 2013 @ 11:40 AM

So the same thing just happened to me. I've always worked as a
waiter. So my checks were always very small, $20-$50 because I make
tips. I recently got a promotion to management and my check this time
was much greater. I'm guessing that's why it was flagged. Still
doesn't make sense to me, with transactions being done electronically
these days. The Walmart employee was sympathetic and told me I should
try Woodbridge bank (their in-house bank). When I tried them they
said they havn't cashed a check from my employer in over a year, so
they could not cash it. Which again makes no sense. If your policy
is to not cash payroll checks from an employer if you haven't
processed checks from them in over a year....does that mean you will
never again cash them. Finally I went to Bank of America, which is
where the check came from. Then back to Walmart to load my MoneyCard,
which would have been free to do if they had cashed my check, but
instead I had to pay $5 at BoA, then $3 to load my card. So let's
just say I will be glad when my direct deposit kicks in.

And I do know this was not Walmart's fault, and the CSR was very
polite and helpful. But what a hassle!

by nicka Posted Tue December 11, 2012 @ 4:23 PM

First of all as a Walmart employee... we do not set nor do we create
the policies that we have to go by and further more we are human and
are entitled to make mistakes(HE THAT IS WITHOUT SIN CAST THE 1ST
STONE)so to say that we are uneducated is not true at all....smmh I do
agree however that walmart does have some crazy polices however to
blame everyone for your experience is not fair there are those of us
who have families, going to school and need jobs and do the best they
can to ensure the customers get great customer service. I will
apologize for your inncovience however your should not pass judgement
on every walmart employee for this,it would be as if you had a bad
experience with women and say all women are dumb (this is an example)
but in fact your comment shows how truelly uneducated you are.

by cabthe2nd Posted Tue January 31, 2012 @ 12:50 PM

Just today my father went into WalMart to cash a Money Order from
MoneyGram and Certigy flagged it and refused to cash it. How
completely insane! We had the payroll check issue at WalMart also and
couldn't figure out what the heck was going on and didn't know who
Certigy was. Now that we know...we're puzzled...why would WalMart get
into bed with a company that has such faulty fraud procedures.


by Cilla Posted Mon October 3, 2011 @ 10:26 PM

I went to Wal Mart earlier to cash my paycheck and it got declined.
The cashier gave me that little paper that says to call Certegy Check
company for "reason #2". So I went home and called the number. The guy
practically told me because I cashed my paycheck at a different day
and time that I normally do, it was declined. Which is pretty freakin'
stupid. I get paid on the 1st and 15th of every month and since the
1st landed on a Saturday and didn't get my paycheck til today
(Monday). So since it's a different day and time that I would normally
cash it, it was declined. Stupid Certegy! I have a bank account but by
the time I get out of work, most banks are already closed and my work
doesn't offer direct deposit. I'm not gonna complain about Wal Mart
because yes I do shop there even though I hate it sometimes. But
sometimes it's just convenient. It's not Wal Mart's fault they didn't
cash my check, it was Certegy's fault. See this wouldn't have happened
if my boss gave me my paycheck early on my lunch break and I would
have been able to cash it at my bank. But it's also nice to know about
situations like this.

by Ted S. Posted Fri May 28, 2010 @ 10:46 PM

The fact of the matter is that Certegy is a check cashing
business(it's pretty much what they do). And to have things like,
"This decline was not a result of any negative check writing
information, but as a preventative measure. These situations are rare
and should not affect the authorization of your checks in the
future."(actual message on Askcertegy.com about my declined payroll
check) is ridiculous. I cash a paycheck within fifty dollars in
amount every week, and this particular check was randomly chosen to be
declined. I can see if Certegy was a business like Wal-Mart with
other services it could get away with this, but as a check services
company you should not have random checks be declined when you have no
reason to believe this is a bad check.

by whiteice Posted Mon August 31, 2009 @ 10:43 PM

Went to Wal-Mart today to cash my paycheck (my bank was closed) and
the clerk destroyed my Driver License
The corner of my Driver License had peeled up a bit a couple of years
ago right after it was issued but stop. About a month ago I was at the
DMV and ask if I should get a replacement they said it was good unless
it peeled to the type area. It was a long way from and type. Wal-Mart
clerk thought she had authority to peel off the film of my Driver
License and then said she will no be accepting the Driver License. I
could not believe what had just happen I ask to speak to the manager
and all she said was sorry. Iím ok if Wal-Mart does not accept any
peeling Driver License but it was still a valid Driver License
according to the DMV then to completely destroy my personal property
is inconceivable to me.



by Maize Posted Mon November 17, 2008 @ 8:07 PM

It is tempting to cash your check for $3.00 but having been in similar
situations, it is not always a sure thing. I have been without gas to
get home and they refused to cash my paycheck because I neglected to
change my address so it matched my D.L. I would rather not deal with
them either. The only one who cashes my paycheck without hassle is my
brother. These merchants who take my regular, and I mean regular
business should do such a small courtesy but I'm not counting on it.

by SicOfTheHype Posted Fri September 28, 2007 @ 7:27 PM

Good we lazy, uneducated people who work there are glad one
opinionated buffoon will no longer shop in our stores.


by K The Posted Tue November 28, 2006 @ 11:28 PM

Yeah I work overnights at a Wal-Mart. I have come to the conclusion
that there are many lazy associates but you get that at any store
where people work.

The problem lies with the changing generation, how nobody really cares
about work ethics anymore. That sucks, because it frustrates both
customers and coworkers.

I just got denied a check from Certegy too, but rather than being
frustrated I am happy that they are looking out for my wellbeing in
today's society of identity theft. While they may be going just a
little overboard, I'd rather be prepared and safe than unprepared and
some dude cashes a check of mine.




by Basil989 Posted Fri November 17, 2006 @ 11:54 AM

I don't work at wal-mart. But I do work at a crappy job. My job pays
so poorly, my employer is so corrupt, that I delight in acting lazy
and stupid. I LOVE to give bad customer service. I just give the
people the amount of work I'm paid to do. I'm paid $6.25/ an hours
worth of "Give A Damn". I'm sure the Wal-Mart workers do the same
thing. Plus, I bet they get an extra little tingle from screwing
people like you who are YOURSELF too lazy and incompetent to open a
BANK ACCOUNT. It takes a lot more brain power than you think to hate
your job, hate your customers, and cause them harm in any way, shape,
or form.



agree by chris w Mon April 8, 2013 @ 12:39 PM

by Alley Posted Wed November 8, 2006 @ 5:48 PM

I didn't know they cashed checks. try a bank next time. oh and you
will never set foot in there again? what does Bob say? o thats right..
I DOUBT IT! EVERY time i hear that from a customer.. you see them back
the VERY next day... when i said i woulndt go back to my old job cuz i
hated the store.. i havent been there since.


by APCO25guy Posted Wed November 8, 2006 @ 4:13 AM

WalMart didn't refuse to cash your check, Certegy did and they have a
toll-free number you can call. Google it and call them and register a
complaint. Check cashing is a COURTESY and I am amazed WalMart takes
the high risk in doing it.

If having instant access to cash is important to you, open an account
with a bank. Most banks offer free checking with direct deposit, see
if your employer offers this. Then there is no waiting in line and
your funds are available as soon as they hit your bank. Most banks
also offer free Visa debit cards for purchases and access to money
from ATM's.

Checks are high risk. I think it is unfair for you to be upset at
WalMart who is simply adhering to their agreement with their check
verification service.


by Martita Posted Tue November 7, 2006 @ 12:38 PM

I agree AVOID Wal-Mart all together.... I took my car for service and
they gave it away to a complete stranger off the street. Wal-Mart is
now saying they're not responsible!!!!!!!

I will never step foot in one of their stores. Word of mouth and
websites like these go a long way......


Yeah, OK, whatever... by nick l Tue November 7, 2006 @ 2:54 PM
by Michael Vermont Posted Tue November 7, 2006 @ 10:11 AM

They DO YOU A FAVOR by cashing your checks and all you can do is
complain. Walmart DOES NOT HAVE TO CASH YOUR CHECKS, they do it as a
"courtesy" to their customers.

Next time go to a bank.


A favor by Caselogic101 Sun August 19, 2012 @ 5:16 PM

Check cashing is a cash enterprise, not a courtesy by TheHammer Thu June 27, 2013 @ 12:41 PM
by Buddy Posted Mon November 6, 2006 @ 6:52 PM

Ever hear of a bank?


by donno Posted Sun November 5, 2006 @ 12:37 PM


by MA Loper Posted Sat November 4, 2006 @ 3:44 PM

Since you feel that everyone at WalMart is so inferior to your
obviously advanced intellect OPEN A FREAKING CHECKING ACCOUNT.

This is the single worst letter I have ever read. It wasn't WalMart's
fault this happened, you did nothing but bash them because you didn't
get your way and seeing as there is no point to this letter other than
you griping and whining, I'd have to suggest you get a job at WalMart
because you sir are the king of clueless idiots!


by Sava Posted Sat November 4, 2006 @ 10:14 AM

When your check gets denied - be it a personal check you write for
purchases, or a payroll check you try to cash - if it's denied for any
reason, the cashier can give you information on how to contact
Certegy. Did you even try to call Certegy directly to resolve the
issue before blasting away at Wal-Mart? Perhaps there is something to
complain about, but if anything, I would think the complaint should be
directed at CERTEGY, not a Wal-Mart store that was just following


by Tina Newman Posted Sat November 4, 2006 @ 11:41 AM

blame Wal Mart. Isn't it funny how this person, who calls Wal Mart
employees "lazy" and "uneducated", isn't smart or energetic enough to
get off his butt and actually CALL to find out what the problem is
with his check?


by eydie Posted Sat November 4, 2006 @ 8:55 AM

Wow. Every single Walmart employee in the entire system is lazy and
clueless? I had no idea! It must have taken you a long time to meet
each and every employee in each and every state and determine this.
Oh, wait-- there's a problem. You couldn't have come to Springfield
Missouri because i personally know that there are many, many Walmart
employees who not only don't fit that description, they are the exact
opposite of it. If you left out Springfield then your determination
is incorrect. Not to mention biased and just plain ignorant. And
remember, the definition of ignorance is being unaware. It doesn't
speak to a lack of intelligence, merely a lack of knowledge. And you
are definitely lacking in knowledge.


Wow. Every single Walmart employee in the entire system is lazy and clueless? by Prefect Zachary Sat November 4, 2006 @ 1:18 PM

some of us have banks accounts but there are other issues! by Rachael F. Sat September 20, 2014 @ 6:20 PM

by Tina Newman Posted Fri November 3, 2006 @ 8:50 PM

Open an account at one and you won't have to sweat Wal Mart or anyone
else's stupid check cashing policies.
I got chewed out at least a dozen times today because the Kroger I
work in simply did not have the money to cash checks until after 1 pm.
The armored car from the bank was running late, had called and told
us they'd be in between 1 and 1:30.
My manager finally came down and told me to tell people, "We are not a
bank and check cashing is a courtesy, not a requirement."
The refusal to cash your check came from store policy and has not a
thing to do with anyone's education level.
You call the employees lazy??? YOU don't have a bank account, or
you're too lazy to go to the bank, and you call THEM lazy?


For check cashing, banks rule, WalMarts drool by Carla Thomas Sat November 4, 2006 @ 11:19 AM

by Gino Version 1.2 Posted Fri November 3, 2006 @ 8:04 PM

Painting a whole group of people with a broad brush and passing
judgment isn't only inpolite but reflects poorly on the letter writer.
Every single company uses outside check verification services (the
exception being Nortstroms because they have their own affilliation
with their own bank). No employee of Walmart was refusing to cash your
check, they simply did not get autorization (insurance that the check
would clear) either for some reason or by mistake from the check
cerifying service. Your anger, frustration and hate aside, the tone of
this letter is far from businesslike. Words like: Lazy uneducated
clueless evil empire and my all time favorite "masses of idiots" don't
belong there.

Yes, after x number of checks at one amount, an extra hundred bucks
SHOULD raise red flags. Why should Walmart (or any other business)
take the risk? As others have posted a bank or a stand alone check
cashing service would be your next best bet.

Your hatred of Walmart and sworn vow never to set foot in one again is
accomplishing quite a lot. Letting these hard working people make a
living and support their families without dealing with attitudes like
this. So I hope you're a man of your word.


by nick l Posted Fri November 3, 2006 @ 7:49 PM

My store used to cash its own payroll checks, and I didn't make use of
that. Instead I just took the check right to my bank to be cashed.

I don't see why anybody would cash their payroll checks at Wally
World. Wal-Mart is not a bank. A real bank would recognize you after a
while and have more training in what to watch for in terms of fraud.

by MommyG4 Posted Fri November 3, 2006 @ 6:59 PM

My mother is a Wal*Mart employee and I am a former employee. I assure
you that neither of us are lazy, uneducated, and totally clueless
about customer service. The main thing you should keep in mind,
Wal*Mart is NOT a bank, as others have also pointed out. You end up
spending way too much to have your check cashed at Wal*Mart anyway. It
is usually not worth it.

My mother told me that her store lost several thousand dollars
recently on fraudulant payroll checks. The worst part of the whole
situation was the payroll checks were also from a real company near
the store's location. It turns out that a former employee of the
other company had figured out how to computerize his/her own checks.
You should understand that Wal*Mart employees would rather be safe
than sorry when it comes to this.


She did not say all of you were like that. by Prefect Zachary Sat November 4, 2006 @ 1:17 PM

by Ellen L. Posted Fri November 3, 2006 @ 5:45 PM

I can understand your frustration, I mean it is a payroll check.
Obviously it was issued by a reputable company if it was in the
Walmart system. Walmart missed out on a potential sale. You could
have spent your OT there, but they are short-sighted.

My suggestion: get direct deposit and skip the check cashing all


Re: Another Reason to Avoid WAL-MART by Nayda Badillo Mon November 6, 2006 @ 4:29 PM

by Lucy Keller Posted Fri November 3, 2006 @ 3:10 PM

That's just funny. It seems crazy, but then I think about the types
of people who use check cashing services and I can almost see why this
type of thing is in place.


Not everyone who has has to use a check cashing place... by Firebrat Tracy Fri November 3, 2006 @ 3:24 PM

Those "shady" characters by RedheadWGlasses Fri November 3, 2006 @ 5:42 PM

Excuse me? by jmacleve Thu January 4, 2007 @ 4:28 PM

by RedheadWGlasses Posted Fri November 3, 2006 @ 12:54 PM

Whatever. Go to a bank.


by mary jo Posted Fri November 3, 2006 @ 12:30 PM

I doubt they will miss you. Neither will their idiot employees.

Here is a thought. Get a checking account. Its the mature,
responsbile, intelligent thing to do. Plus you dont have to pay to
cash your check.


by tickytack Posted Fri November 3, 2006 @ 12:12 PM

Um, you know what? If you're going to call someone uneducated and
totally clueless, you might (just MIGHT, mind you) want to ensure that
your little tirade is spelled correctly. "Certesy"? Do you mean

Partnership? Capital "P"? What's your reasoning for that? Ditto
"Competent" and "Clueless Organization".

All "n" all?

Oh, incidentally - the store name is Wal-Mart - no "s" - apostrophied
or otherwise.


by Firebrat Tracy Posted Fri November 3, 2006 @ 10:26 AM

I love irony.

I especially love it when people use nasty adjectives to describe
other people, when they could *easily* be applied to themselves.

Get it?


by Rock Star Amanda Posted Fri November 3, 2006 @ 9:42 AM

I think yo uare very rude and need to calm down and rethink that they
are looking out for the best interest. try taking it to your BANK


by p d Posted Thu November 2, 2006 @ 9:29 PM

Did it ever occur to you that YOU'RE OVER THE LIMIT OF THE AMOUNT
THEY'LL CASH just as you point out?!

And then you have the nerve to complain about it and call them
clueless, idiots, uneducated, lazy.

Do you see the problem here?

Talk about uneducated.

by m.e. r. Posted Thu November 2, 2006 @ 8:18 PM

Get a bank account.
41 bucks is like 1 hour of OT for me. lololol


Wow by Brennie Sun November 5, 2006 @ 1:36 AM

Not a real reason to brag... by Tina Newman Tue November 7, 2006 @ 10:03 AM
by Mike Holly Posted Thu November 2, 2006 @ 8:09 PM

I suggest you go to your local bank, get a bank account, and use the
bank instead of trashing Wal-Mart employees for following stone policy
and ensuring your safety.


by S. Brown Posted Thu November 2, 2006 @ 6:09 PM

You're right - - using Walmart to cash your payroll check is a bad
idea - - they are a retailer, not a bank.


by *Brenda* Posted Thu November 2, 2006 @ 5:14 PM

It's Certegy Check Services. MANY stores use Certegy, not just
Wal-Mart. I guess you should stop going to those stores also.

Ever heard of a bank?

I'm sure Wal-Mart won't miss you.


Certegy by tickytack Fri November 3, 2006 @ 12:13 PM

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