Home improvement retailers often have vague policies in regards to whether or not they accept personal checks — especially if you’re looking for this info online. Home Depot and Lowe’s, the nation’s largest, accept checks but it’s important to know the specifics of their policies. This article also includes whether or not other large home improvement retailers accept checks.

In This Article

  • Home Depot’s Check Writing Policy

  • Lowe’s Home Improvement’s Check Writing Policy

  • Other Home Improvement Retailers That Do Accept Checks

  • Home Improvement Retailers That Don’t Accept Checks

    Home Depot’s Check Writing Policy

For in-store purchases, Home Depot accepts only personal checks and business checks. To pay with a personal check, you’ll need to provide a driver’s license or another form of government-issued photo I.D. at checkout. Your check will also need to include your current phone number, and the name on your I.D. should match the name on your check. When paying with a business check, you should call your local store ahead of time to confirm specific requirements, as stores are free to set their own policies. Typically, you will need to provide a government-issued photo I.D. as well. Find a local store and their contact info using Home Depot store locator.

During checkout, your check will be scanned electronically through Telecheck, a third party authentication company. Telecheck uses its database on past check transactions to decide how risky your check is and tell the store whether or not they should accept your check. If the store refuses your check on the basis of the Telecheck’s report, you can choose to dispute the decision with Telecheck directly. You can also request Telecheck’s file on you, if you’re interested how they came to the decision.

If you pay with a check but your check is returned for non-sufficient funds (i.e., bounces) Home Depot will charge you a fee of $75. You won’t be able to pay with a check again until both the fee is paid and the check clears.

For online purchases, Home Depot doesn’t accept checks. Instead, they accept Visa, MasterCard, American Express, Discover Cards, the Home Depot Consumer Credit Card, and the Home Depot Commercial Credit Accounts. You can find out more about their online payment policy by visiting Paying For Your Order page of Home Depot’s website.

Lowe’s Check Writing Policy

For in-store purchases, Lowe’s accepts personal checks and business checks. You will need to provide a driver’s license or another form of government-issued photo I.D. at checkout. For both personal and business checks, the name on the check should match the name on the I.D. Because local stores are free to modify Lowe’s general check writing policy, it’s always best to call ahead to your local store to confirm if you have any specific concerns. You can find a local store and it’s contact info by using Lowe’s store locator.

Lowe’s uses Certegy, another third-party authentication company, to scan and check the riskiness of checks. Like Telecheck, Certegy maintains a database of information on check transactions, assesses the riskiness of your check, and makes a recommendation to Lowe’s as to whether or not they should accept your check. If you check is denied on the basis of Certegy’s report, you can find more information about the transaction with Certegy’s Declined Check Lookup tool on their website. You can also request your file from Certegy’s website once a year for free.

For a returned or bounced check Lowes will charge you a fee of $20. While the bounced check is pending, your ability to pay with checks will be suspended. If you have outstanding checks with Lowes, they will not process any returns for purchases made with checks. Once you’ve paid the fee and your check is cleared, you will be able to pay with checks again.

Lowe’s doesn’t accept checks for online purchases. Online, you can pay with Visa, MasterCard, American Express, Lowe’s Card, Lowe’s Accounts Receivable Card, and the Lowe’s Business Account Card. You can learn more about their online payment policy by visiting My Online Experience FAQs on Lowe’s website.

Other Home Improvement Retailers that Do Accept Checks

Below you’ll find a list of national home improvement retailers that accept checks in-store. Keep in mind that individual stores typically have the discretion to further limit the company’s check policy. For example, a store might choose only to accept checks from in-state residents. It’s always a good idea to call ahead to find out what your local store’s policy is. Follow the link to the store locator to find a store’s contact info.

1. Ace Hardware

  • Accepted payment types: Ace Hardware accepts checks, credit cards, debit cards, and gift cards.
  • Store Locator 
  • Source 

2. Cole’s Hardware

  • Accepted payment types: Cole’s Hardware accepts checks, debit cards, credit cards, Cole’s gift cards, and cash.
  • Store Locator
  • Source 

3. Harbor Freight Tools

  • Accepted payment types: Harbor Freight Tools accepts checks, credit cards, debit cards, cash, and gift cards. Out of the store, checks and money orders are accepted for orders placed via United States Postal Service.
  • Store Locator
  • Source 

4. Menards

  • Accepted payment types: Menards accepts checks; Visa, Mastercard, Discover, and American Express credit or debit cards; the Menards Big Card; the Menards Contractor Card; and the Menards Commercial Card.
  • Store Locator 
  • Source 

5. Orchard Supply Hardware

  • Accepted payment types: Orchard Supply Hardware accepts checks, credit cards, debit cards, and gifts cards.
  • Store Locator 
  • Source 

6. Pacific Sales

  • Accepted payment types: Pacific Sales accepts checks, credit cards, debit cards, and gift cards.
  • Store Locator 
  • Source 

7. Valu Home Centers

  • Accepted payment types: Valu Home Centers only accept checks if you are local and you provide your driver’s license. Valu also accepts credit or debit cards issued by Visa, Discover, American Express, and MasterCard.
  • Store Locator 
  • Source 

Home Improvement Retailers that Don’t Accept Checks

Below you will find the national home improvement retailers that do not accept checks. We’ve provided you with what forms of payment they do accept.

8. Empire Today

  • Accepted payment types: Empire Today accepts cash, Visa, MasterCard, American Express, Discover, Diners Club International, money orders, and certified checks.
  • Store Locator 
  • Source 

9. Tractor Supply Co.

  • Accepted payment types: Tractor Supply Co. accepts cash, credit cards, debit cards, and gift cards.
  • Store Locator 
  • Source 

10. True Value

  • Accepted payment types: True Value accepts cash, Visa, MasterCard, American Express, or Discover credit or debit cards; PayPal; and gift cards.
  • Store Locator 
  • Source 

In Summary

Yes, both Home Depot and Lowe’s accept checks.

And as you can see from the lists above, the majority of home improvement retailers accept checks. Individual stores are typically free to modify the check writing policy, so consider calling ahead at your local store to find out about their specific policy. Whether the retailer does or does not accept checks, there are a wide variety of payment methods available at all of the stores listed.