With the progression of technology and the development of debit and credit cards, not to mention forms of digital payment, use of personal checks has declined significantly. Despite this, many people still carry and use checkbooks for a variety of purposes. It can be hard to keep track of which stores still accept personal checks, so in this article, we’ve listed them for you.

In This Article:

  • Stores That Accept Personal Checks

    • Arts and Crafts Stores
    • Dollar Stores
    • Electronics Stores
    • Grocery Stores
    • Home Improvement Stores
    • Office Supply Stores
    • Pharmacies
    • Restaurants
    • Retail Stores
    • Sporting Goods Stores
    • Wholesale Club Stores
  • Stores That Do Not Accept Personal Checks (So You’re Not Left Wondering)

Stores That Accept Personal Checks

Arts and Crafts Stores

Hobby Lobby

Jo-Ann

  • Conditions: Checks accepted on in-store purchases only
  • Source: Customer support

Dollar Stores

Dollar General

  • Conditions: None
  • Source: Customer support

Dollar Tree

Family Dollar Tree

Family General

Electronics Stores

Best Buy

Fry’s

H.H. Gregg

RadioShack

  • Conditions: Checks are accepted for in-store purchases only. Payment options for online orders can be found on the RadioShack website.
  • Source: Customer support

Grocery Stores

Albertsons

  • Conditions: None
  • Source: Customer support

Food 4 Less

Food Lion

Fred Meyer

  • Conditions: None specified, but limits may vary by store location
  • Source: Customer support

Giant Eagle

Harris Teeter

  • Conditions: None specified, but limits may vary by store location
  • Source: Customer support

H-E-B

  • Conditions: None specified, but limits may vary by store location
  • Source: Customer support

Hannaford

Meijer

Ralphs

  • Conditions: None specified, but limits may vary by store location
  • Source: Customer support

Safeway

  • Conditions: None
  • Source: Customer support

Save-A-Lot

Save Mart

ShopRite

  • Conditions: stores are individually owned and operated, so policies may vary
  • Source: Customer support

Wegmans

  • Conditions: Customers must present a valid Shoppers’ Club Card
  • Source: Customer support

Walmart

  • Conditions: If you’re ordering online to collect in store, select “Pay With Cash” and then bring your check book when you collect
  • Source: this page of the Walmart website

Winco

Winn-Dixie

  • Conditions: Payments by check are always subject to approval at the manager’s discretion. Proper ID must be provided. Policies vary by location.
  • Source: Customer support

Home Improvement Stores

The Home Depot

  • Conditions: Checks are accepted for in-store purchases only.
  • Source: Customer support

Lowe’s

  • Conditions: Checks are accepted for in-store purchases only.
  • Source: Customer support

Office Supply Stores

Office Depot

Staples

Pharmacies

CVS

  • Conditions: Checks are accepted for in-store purchases only
  • Source: Customer support

Rite Aid

  • Conditions: Checks are accepted for in-store purchases only
  • Source: Customer support

Walgreens

Restaurants

Papa John’s

  • Conditions: There is no official policy posted on the Papa John’s website. However, after calling into customer support, we were notified that it is up to each individual franchise location whether or not the owner wants to accept checks, and it is very rare that a location accepts checks. But if you’re dying for some Papa John’s and only have checks, call 1 (877) 547-7272, press ‘6’, have your zip code ready and a customer support rep will search to see if a nearby location accepts checks.
  • Source: Customer support

Retail Stores

AT&T

Barnes and Noble

Big Lots

  • Conditions: E-checks accepted online (through PayPal) and personal checks accepted in store
  • Source: Customer support

Burlington Coat Factory

  • Conditions: Checks are accepted for in-store purchases only
  • Source: Customer support

Dillard’s

  • Conditions: None
  • Source: Customer support

Foot Locker

Goodwill

JCPenney

  • Conditions: Customers will need to present a valid ID, which the store will verify.
  • Source: Customer support

Kohl’s

  • Conditions: Customers will need to present a valid ID, which the store will verify.
  • Source: Customer support

Macy’s

Marshalls

Neiman Marcus

  • Conditions: Checks are accepted for in-store purchases only
  • Source: Customer support

Nordstrom

  • Conditions: Checks are accepted for in-store purchases only
  • Source: Customer support

PetSmart

  • Conditions: Checks are accepted for in-store purchases only
  • Source: Customer support

Sears

  • Conditions: Checks are accepted for in-store purchases only
  • Source: Customer support

Target

TJ Maxx

Toys R Us

  • Conditions: Customers must present a valid ID. Checks are accepted for in-store purchases only.
  • Source: Customer support

Walmart

  • Conditions: If you’re ordering online to collect in store, select “Pay With Cash” and then bring your check book when you collect
  • Source: this page of the Walmart website

Sporting Goods Stores

Bass Pro Shops

Cabela’s

The Finish Line

Gander Mountain

Wholesale Club Stores

BJ’s Wholesale Club

Costco

  • Conditions: checks are not accepted at the fuel stations or car washes. Checks may require picture identification and managerial authorization.
  • Source: this page of the Costco website

Sam’s Club

Stores That Do Not Accept Personal Checks

So you’re not left wondering, “But does that store accept personal checks?” here’s a list of stores that only accept other payment methods.

99 Cents Only

  • Accept personal checks? No
  • Other payment methods accepted: Cash, Discover, Visa, MasterCard, EBT
  • Source: the 99 Cents Only website

Ace Hardware

  • Accept personal checks? Generally, no but the stores are independently owned, some locations may opt to accept checks.
  • Other payment methods accepted: VISA, MasterCard, Discover or American Express credit card or debit cards, or PayPal
  • Source: This page of the Ace Hardware website. We also confirmed this information with customer support.

Aldi

  • Accept personal checks? No
  • Other payment methods accepted: Cash, Visa, MasterCard, Discover, American Express, most debit cards, the Electronic Benefits Transfer (EBT), and Link cards
  • Source: this page of the Aldi website.

Champs Sports

  • Accept personal checks? No – except by mail.
  • Other payment methods accepted: Cash, Debit cards, Visa, MasterCard, Discover, American Express, JCB, Diners Club, PayPal (for online purchases)
  • Source: this page of the Champs website. We also contacted a customer support representative to confirm this information.

Cheesecake Factory

  • Accept personal checks? No
  • Other payment methods accepted: VISA, MasterCard, American Express, Discover, PayPal, gift cards, and the CakePay app
  • Source: 

GAP

  • Accept personal checks? No
  • Other payment methods accepted: Cash, Visa, MasterCard, JCB, American Express, Diners Club, Discover Network and gift cards
  • Source: Customer support

Golden Corral

  • Accept personal checks? No
  • Other payment methods accepted: Major debit and credit cards, cash
  • Source: Although not specified on the Golden Corral website for standard orders (checks are accepted for catering orders), we contacted a customer support representative to confirm this information.

Eastbay

  • Accept personal checks? No, except by mail (money orders are also accepted by mail). Note that Eastbay is primarily an online-only retailer.
  • Other payment methods accepted: Cash, debit cards, Visa, MasterCard, Discover, American Express, JCB, Diners Club, and PayPal (for online purchases)
  • Source: this page of the Eastbay website.

IKEA

  • Accept personal checks? No
  • Other payment methods accepted: Cash, Visa, Mastercard, American Express, Discover, Debit cards, and IKEA Gift Cards
  • Source: this page of the IKEA website. Although this page of the IKEA website says that most locations do not accept checks, we also contacted a customer support representative to confirm this information applied to IKEA store locations, and it was confirmed that all IKEA locations do not accept checks.

Menards

  • Accept personal checks? No, not at all for online purchases and generally not for in-store purchases (although policies may vary by location, and some locations do accept checks).
  • Other payment methods accepted: Cash, VISA, MasterCard, Discover or American Express credit card or debit cards, or Menards’ variety of loyalty and credit cards
  • Source: this page of the Menards website. We confirmed with a Menards customer support representative that some locations do accept checks.

Nike

  • Accept personal checks? No
  • Other payment methods accepted: Cash, debit cards, all major credit cards (Visa, MasterCard, American Express and Discover card), PayPal, gift cards and Nike product vouchers
  • Source: We contacted a customer support representative at Nike Corporate Headquarters to confirm that the information above applies to payment methods accepted for in-store purchases.

Pizza Hut

  • Accept personal checks? No
  • Other payment methods accepted: Major debit and credit cards, cash
  • Source: Customer support

Whole Foods

  • Accept personal checks? No
  • Other payment methods accepted: Cash, all major US credit and debit cards, Android Pay, and Apple Pay
  • Source: this page of the Whole Foods website. We also confirmed this information with a customer support representative.

In Summary

We hope you’ve enjoyed this list about what stores accept personal checks! As with all articles on First Quarter Finance, they are continually reviewed and updated as necessary. If you’re wondering about a store on our list, leave a comment and we’ll let you know within 24 hours and include it on our list.