last night i tried to pay at Target pharmacy with a check from my new checking account. (opened so that I could close my old one to get out from under the pdl sinkhole.) I have had this account for almost one month, and there were funds available for this purchase. When the employee scanned the check through the register it was denied. I didnt have my debit card with me, so i dont know if that would have gone through or not, although i was able to run home, get the card, went to the atm, got the cash, and returned to the store.