With about 1,800 locations across the United States, Target is a convenient option for many people who do their shopping there on a regular basis. If you’re planning to shop at Target, you may be wondering whether you can use a check to pay for your purchase. You might also wonder whether you can cash your check while you’re there. This article will cover everything you need to know about using checks at Target.

Included in This Article

  • Does Target Accept Checks for Payment?

  • What if My Check is Declined at Target?

  • What Other Payment Methods Does Target Accept?

  • What Payment Methods Does Target.com Accept?

  • What Other Stores Accept Checks for Payment?

  • Does Target Cash Checks?

  • Where to Go to Cash a Check

Does Target Accept Checks for Payment?

Target stores accept both personal and business checks for payment. Checks are processed electronically through Certegy, a “check risk management company.” Certegy will analyze your check information against its database and then approve or decline your check as a payment method. The service may or may not verify the funds in your bank account depending on the particular circumstances. For example, funds can only be verified during business hours. Also, many financial institutions will only share this information with another financial institution and not with other third parties.

If Certegy does not verify the funds in your bank account, how does it determine whether or not to accept your check? Certegy will look at the information in your file and the details of your check to determine whether the particular check is risky according to its proprietary models. However, Certegy will not reveal the specific factors it uses to make its decisions, as they claim this would make it easier for someone trying to commit fraud to get around the system.

If you are worried or just curious about what may or may not be in your file, you can request a copy of your file from Certegy by phone or by mail.

By using a check for payment at Target, you authorize Target to process the check electronically. You may be asked to show a state, federal, or military photo ID (such as a driver’s license) when writing a check. According to their policy posted in-store, the funds can be deducted from your account as early as the same day you use the check to pay for your purchase. If your account does not have enough money to cover the check when it’s presented, Target will charge you a $30 fee, also deducted electronically. It’s important to make sure you have enough funds in your account for two reasons – first, you obviously want to avoid the extra charges for writing a returned check. Second, writing a bad check could make it more likely that your checks won’t be accepted for payment in the future.

What if My Check is Declined at Target?

If the electronic system declines your check at Target, you can contact Certegy for more information. Their website includes a Declined Check Lookup feature where you can find out why your check was declined. You can also request a copy of the information in your file to verify that it is correct.

What Other Payment Methods Does Target Accept?

If you decide not to pay by check at Target (or if your check is declined by the electronic service), you have several other payment method options. In addition to checks, Target stores accept the following forms of payment:

  • Cash
  • Debit cards
  • Credit cards (Target, Visa, MasterCard, American Express, Discover)
  • Gift cards/gift certificates (Target, Visa, MasterCard, American Express, Discover)
  • U.S. Traveler’s Checks
  • Target merchandise vouchers from returns
  • Rebate checks
  • At some locations, WIC
  • At some locations, Canadian dollars and traveler’s checks or Mexican pesos.

What Payment Methods Does Target.com Accept?

If you shop at Target.com instead of in a Target store, the payment options are slightly different. When shopping at Target online, you can use the following payment methods:

  • Debit card
  • Credit card (Target, Visa, MasterCard, American Express, Discover)
  • Gift card (Target, Visa, MasterCard, American Express, Discover)
  • ApplePay
  • PayPal

What Other Stores Accept Checks for Payment?

Many major retailers and grocery stores accept checks as a method of payment. Here are ten examples:

  1. Walmart
  2. Kmart
  3. Best Buy
  4. Costco
  5. Walgreens
  6. Staples
  7. Sam’s Club
  8. Publix
  9. Family Dollar
  10. Dollar Tree

For a more complete and detailed list of places where you can pay by check, see the article “What Stores Accept Personal Checks? Here’s a Large List.”

Does Target Cash Checks?

According to Target’s customer service, Target does not do check cashing at any location. But you may be wondering, “But does Target cash payroll checks?” Target does not cash checks – no matter which type – payroll checks, or any kind. But read on because many similar stores offer check cashing services.

Where to Go to Cash a Check Instead of Target

If you need to cash a personal check, see the article 18 Places That Cash Personal Checks (Stores Not Scams).

Here are 9 similar places to Target which you can visit that cash various types of checks:

  1. Walmart
  • Types of checks cashed: Payroll, government, tax refund, cashiers’, insurance, retirement
  • Fees: $3 for checks up to $1000, $6 for checks $1000 to $5000
  • Other info: No registration required to cash a check; you can get cash or load it onto a Walmart MoneyCard.

2. Kroger

  • Types of checks cashed: Payroll, government, tax refund, insurance, corporate
  • Fees: $3 – $5
  • Other info: Enrollment required; you can get cash or load to 123 rewards prepaid card.

3. Kmart

  • Types of checks cashed: Payroll, government, two-party
  • Fees: $1 or less; free in CT, DE, GA, NJ, PA, PR, SC, WA, and GU
  • Other info: Check cashing services are available at the customer service desk.

4. Publix

  • Types of checks cashed: Personal, payroll
  • Fees: Not disclosed online
  • Other info: Must have state or military photo ID

5. Stop & Shop

  • Types of checks cashed: Payroll, government
  • Fees: Not disclosed online
  • Other info: You must apply for a check cashing card.

6. Fred Meyer

  • Types of checks cashed: Payroll, government
  • Fees: $3 for checks up to $2000, $5 for checks over $2000 up to $5000
  • Other info: You’ll need a state or government ID and a valid social security number to cash a check.

7. Moneytree

  • Types of checks cashed: Personal, payroll, tax, two-party, insurance, cashiers’, business, money orders
  • Fees: Vary by location; check here to find the closest branch.
  • Other info: All types of checks can be cashed.

8. ACE Cash Express

  • Types of checks cashed: Personal, payroll, business, government, tax refund, insurance, money orders
  • Fees: Not specified online
  • Other info: No credit check or bank account required, cash most types of checks.

9. Check Into Cash

  • Types of checks cashed: Payroll, government, tax refund, insurance, loan, cashiers’, money orders, two-party
  • Fees: Not specified online
  • Other info: All types of checks can be cashed, enrollment card required, you can get cash or a reloadable prepaid MasterCard.

Final Thoughts Regarding Target Check Cashing and Target Check Accepting

We hope this article has given you all the information you need about paying by check at Target and cashing your checks.