Probably TeleCheck. Your credit score is irrelevant, it is likely denying you because you never use checks in that way. It's anomaly analysis. At the other end of a wire, both of these circumstances appear identical:

* a criminal who stole the checkbook of someone with an 800+ credit score and used it for a transaction the rightful owner never has

* someone with an 800+ credit score and used it for a transaction they never have

I'm not sure why anyone would use checks in an emergency though, I'm surprised BB&B even still accepts checks.