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

  • Conditions: None
  • Source: This page of the Hobby Lobby website

Jo-Ann

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

Dollar Stores

Dollar General

  • Conditions: None
  • Source: Customer support

Dollar Tree

  • Conditions: None
  • Source: this page of the Dollar Tree website

Family Dollar Tree

  • Conditions: None
  • Source: this page of the Family Dollar Tree website

Family General

  • Conditions: None
  • Source: this page of the Family General website

Electronics Stores

Best Buy

  • Conditions: None
  • Source: this page of the Best Buy website

Fry’s

  • Conditions: Checks are accepted in-store and can be mailed to Fry’s for online purchases.
  • Source: this page of the Fry’s website

RadioShack

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

Grocery Stores

Albertsons

  • Conditions: None
  • Source: Customer support

Food 4 Less

  • Conditions: Food 4 Less impose their own Check Writing Policy guarantee which must be met (which can be read below)
  • Source: this page of the Food 4 Less website

Food Lion

  • Conditions: None
  • Source: this page of the Food Lion website

Fred Meyer

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

Giant Eagle

  • Conditions: You must have a Giant Eagle Advantage Card and the name on the check must match the name on the card
  • Source: this page of the Giant Eagle website

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

  • Conditions: None specified, but limits may vary by store location
  • Source: this page of the Hannaford website.

Meijer

  • Conditions: May be written for up to $25 over the total in stores and $5 over the total in gas stations
  • Source: this page of the Meijer website.

Ralphs

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

Safeway

  • Conditions: None
  • Source: Customer support

Save-A-Lot

  • Conditions: None, but payment methods do vary by location so selected stores may not take checks.
  • Source: this page of the Save-A-Lot website

Save Mart

  • Conditions: checks must be written for the current date, made out directly to the store, preprinted with a local address, and accompanied by valid photo ID. Read more here.
  • Source: this page of the Save Mart website

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

  • Conditions: None
  • Source: this page of the Winco website

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

  • Conditions: None
  • Source: this page of the Office Depot website

Staples

  • Conditions: None
  • Source: this page of the Staples website

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

  • Conditions: Checks are accepted for in-store purchases only
  • Source: this page of the Walgreens website

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

  • Conditions: None
  • Source: this page of the AT&T website

Barnes and Noble

  • Conditions: Checks are for in-store only purchases.
  • Source: this page of the Barnes and Noble website.

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

  • Conditions: Foot Locker accepts checks sent through the mail
  • Source: this page of the Foot Locker website.

Goodwill

  • Conditions: None
  • Source: this page of the Goodwill website

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

  • Conditions: None
  • Source: this page of the Macy’s website

Marshalls

  • Conditions: None
  • Source: this page of the Marshalls website.

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

  • Conditions: Business checks are accepted too. Checks are accepted in-store only (not for online purchases).
  • Source: this page of the Target website.

TJ Maxx

  • Conditions: Your ID may need to be verified
  • Source: this page of the TJ Maxx website.

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

  • Conditions: Only checks drawn at US banks and in US funds are accepted
  • Source: this page of the Bass Pro Shops website

Cabela’s

  • Conditions: Checks and money orders can also be mailed to Cabela’s for online orders
  • Source: this page of the Cabela’s website

The Finish Line

  • Conditions: None
  • Source: this page of The Finish Line website

Gander Mountain

  • Conditions: Checks can also be mailed for phone purchases.
  • Source: this page of the Gander Mountain website

Wholesale Club Stores

BJ’s Wholesale Club

  • Conditions: Business Members may also use business checks.
  • Source: this page of the BJ’s Wholesale Club website

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

  • Conditions: None
  • Source: this page of the Sam’s Club website

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: this page of 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.

The Cheesecake Factory

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

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.