Personal checks are not nearly as prominent as they used to be. 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 broken it all down for you.

Included in This Article:

  • What stores accept personal checks broken down by category

  • What arts and crafts stores accept checks

  • What discount stores accept checks

  • What electronics stores accept checks

  • What restaurants accept checks

  • Grocery stores that accept checks

  • What sporting goods stores accept checks

  • What pharmacies accept checks

  • What retail stores accept checks

  • What wholesale clubs accept checks

  • Which stores do not accept personal checks (so you’re not left wondering)

Know also that there are additional businesses within each category (restaurants for sure) that may accept personal checks but are not listed. Since it’s not company policy to have all locations accept checks, those additional places that take checks are not listed. Without further ado, here are the stores that accept personal checks:

Arts / Crafts / Office Stores That Accept Personal Checks

Hobby Lobby

Home Depot

  • Accept personal checks? Yes
  • Conditions? Checks are accepted for in-store purchases only.
  • Although not specified directy on the Home Depot website, we contacted a customer support representative to confirm this information.

Jo-Ann

  • Accept personal checks? Yes
  • Conditions? Checks are accepted for in-store purchases only.
  • Although not specified on the Jo-Ann website, we contacted a customer support representative to confirm this information.

Lowe’s

Office Depot

Sears

  • Accept personal checks? Yes
  • Conditions? Checks are accepted for in-store purchases only.
  • Although not specified on the Sears website, we contacted a customer support representative to confirm this information.

Staples

Discount / Dollar Stores That Accept Personal Checks

Dollar General

  • Accept personal checks? Yes
  • Conditions? None specified
  • Although not specified on the Dollar General website, we contacted a customer support representative to confirm this information.

Dollar Tree

Family Dollar Tree

Family General

Electronics Stores That Accept Personal Checks

Best Buy

Fry’s

  • Accept personal checks? Yes
  • Conditions? Checks are accepted in-store and can be mailed to Fry’s for online purchases
  • Read it officially on this page of the Fry’s website

H.H. Gregg

  • Accept personal checks? Yes
  • Conditions? The site states there may be certain restrictions on personal checks. Always call ahead to confirm.
  • Read it officially on this page of the H.H. Gregg website

RadioShack

  • Accept personal checks? Yes
  • Conditions? Checks are accepted for in-store purchases only. Payment options for online orders can be found on the RadioShack website.
  • Although not specified on the RadioShack website, we contacted a customer support representative to confirm this information.

Restaurants That Accept Personal Checks

Papa John’s

  • Accept personal checks? At very few locations
  • Conditions? None
  • 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.

Grocery Stores That Accept Personal Checks

Albertsons

  • Accept personal checks? Yes
  • Conditions? None
  • Although not specified directly on the Albertsons website, we contacted a customer support representative to confirm this information.

Food 4 Less

  • Accept personal checks? Yes
  • Conditions? Food 4 Less impose their own Check Writing Policy guarantee which must be met (which can be read below)
  • Read it officially on this page of the Food 4 Less website

Food Lion

Fred Meyer

  • Accept personal checks? Yes, at most stores
  • Conditions? None specified, but limits may vary by store location
  • Although not specified on the Fred Meyer website, we contacted a customer support representative to confirm this information.

Giant Eagle

  • Accept personal checks? Yes
  • Conditions? You must have a Giant Eagle Advantage Card and the name on the check must match the name on the card
  • Read it officially on this page of the Giant Eagle website

Harris Teeter

  • Accept personal checks? Yes, at most stores
  • Conditions? None specified, but limits may vary by store location
  • Although not specified on the Harris Teeter website, we contacted a customer support representative to confirm this information.

HEB Grocery

  • Accept personal checks? Yes
  • Conditions? None
  • Although not specified on the HEB Grocery website, we contacted a customer support representative to confirm this information.

Hannaford

Meijer

  • Accept personal checks? Yes
  • Conditions? Must be written for up to $25 over the total in stores, and $5 over the total in gas stations
  • Read it officially on this page of the Meijer website

Ralphs

  • Accept personal checks? Yes, at most stores
  • Conditions? None specified, but limits may vary by store location
  • Although not specified on the Ralphs website, we contacted a customer support representative to confirm this information.

Safeway

  • Accept personal checks? Yes
  • Conditions? None
  • Although not specified on the Safeway website, we contacted a customer support representative to confirm this information.

Save-A-Lot

  • Accept personal checks? Yes
  • Conditions? None, but payment methods do vary by location so selected stores may not take checks
  • Read it officially on this page of the Save-A-Lot website

Save Mart

  • Accept personal checks? Yes
  • Conditions? Yes; 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.
  • Read it officially this page of the Save Mart website

ShopRite

  • Accept personal checks? Generally yes, but stores are individually owned and operated, so policies may vary
  • Conditions? None
  • Although not specified on the ShopRite website, we contacted a customer support representative to confirm this information.

Wegmans

  • Accept personal checks? Yes
  • Conditions? Customers must present a valid Shoppers’ Club Card
  • Although not specified on the Wegmans website, we contacted a customer support representative to confirm this information.

Walmart

  • Accept personal checks? Yes
  • Conditions? If you’re ordering online to collect in store, select “Pay With Cash” and then bring your check book when you collect
  • Read it officially on this page of the Walmart website

Winco

Winn-Dixie

  • Accept personal checks? Yes — at most locations.
  • Conditions? Payments by check are always subject to approval at the manager’s discretion. Proper ID must be provided. Policies vary by location.
  • Although not specified on the Winn-Dixie website, we contacted a customer support representative to confirm this information.

Sporting Goods Stores That Accept Personal Checks

Bass Pro Shops

Cabela’s

The Finish Line

Gander Mountain

Pharmacies That Accept Personal Checks

CVS

  • Accept personal checks? Yes
  • Conditions? Checks are accepted for in-store purchases only
  • Although not specified on the CVS website, we contacted a customer support representative to confirm this information.

Walgreens

Retail Stores That Accept Personal Checks

AT&T

Barnes and Noble

Big Lots

  • Accept personal checks? Yes
  • Conditions? E-checks accepted online (through PayPal) and personal checks accepted in store
  • Although not specified on the Big Lots website, we contacted a customer support representative to confirm this information.

Burlington Coat Factory

  • Accept personal checks? Yes
  • Conditions? Checks are accepted for in-store purchases only
  • Although not specified on the Burlington Coat Factory website, we contacted a customer support representative to confirm this information.

Dillard’s

  • Accept personal checks? Yes
  • Conditions? None
  • Although not specified directly on the Dillard’s website, we contacted a customer support representative to confirm this information.

Foot Locker

Goodwill

Kohl’s

  • Accept personal checks? Yes
  • Conditions? Customers will need to present a valid ID, which the store will verify
  • Although not specified on the Kohl’s website, we contacted a customer support representative to confirm this information.

Macy’s

  • Accept personal checks? Yes
  • Conditions? None
  • Read it officially on this page of the Macy’s website. We also confirmed with a Macy’s customer support representative that checks are accepted for all orders (not just payments for the Macy’s credit card).

Marshalls

Neiman Marcus

  • Accept personal checks? Yes
  • Conditions: Checks are accepted for in-store purchases only
  • Although not specified on the Neiman Marcus website, we contacted a customer support representative to confirm this information.

Nordstrom

  • Accept personal checks? Yes
  • Conditions? Checks are accepted for in-store purchases only
  • Although not specified on the Nordstrom website, we contacted a customer support representative to confirm this information.

PetSmart

  • Accept personal checks? Yes
  • Conditions? Checks are accepted for in-store purchases only
  • Although not specified on the PetSmart website, we contacted a customer support representative to confirm this information.

Target

  • Accept personal checks? Yes
  • Conditions? Business checks are accepted too. Checks are accepted in-store only (not for online purchases).
  • Read it officially on this page of the Target website

TJ Maxx

Toys R Us

  • Accept personal checks? Yes
  • Conditions? Customers must present a valid ID. Checks are accepted for in-store purchases only.
  • Although not specified on the Toys R Us website, we contacted a customer support representative to confirm this information.

Warehouse Clubs That Accept Personal Checks

BJ’s Wholesale Club

Costco

  • Accept personal checks? Yes (but not at the fuel stations or car washes)
  • Conditions? Checks may require picture identification and managerial authorization
  • Read it officially on 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?”

Arts / Crafts / Office Stores That Do Not Accept Personal Checks

Ace Hardware

  • Accept personal checks? Generally no (but the stores are independently owned, so policies may vary by location)
  • Other payment methods accepted? VISA, MasterCard, Discover or American Express credit card or debit cards, or PayPal
  • Read it officially on this page of the Ace Hardware website. We also confirmed this information with an Ace Hardware customer support representative.

Menards

  • Accept personal checks? No, not at all for online purchases and generally not for in-store purchases (although policies may vary by location)
  • Other payment methods accepted? VISA, MasterCard, Discover or American Express credit card or debit cards, or Menards’ variety of loyalty and credit cards
  • Read it officially on this page of the Menards website

Discount / Dollar Stores That Do Not Accept Personal Checks

99 Cents Only

  • Accept personal checks? No
  • Other payment methods accepted? Discover, Visa, MasterCard, EBT
  • Read it officially on the 99 Cents Only website

Restaurants That Do Not Accept Personal Checks

Golden Corral

  • Accept personal checks? No
  • Other payment methods accepted? Major debit and credit cards, cash
  • 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.

Pizza Hut

  • Accept personal checks? No
  • Other payment methods accepted? Major debit and credit cards, cash
  • Although not specified on the Pizza Hut website, we contacted a customer support representative to confirm this information.

Grocery Stores That Do Not Accept Personal Checks

Aldi

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

Whole Foods

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

Retail Stores That Do Not Accept Personal Checks

GAP

  • Accept personal checks? No
  • Other payment methods accepted? Visa, MasterCard, JCB, American Express, Diners Club, Discover Network and gift cards
  • Although not specified on the GAP website, we contacted a customer support representative to confirm this information.

IKEA

  • Accept personal checks? No
  • Other payment methods accepted? Visa, Mastercard, American Express, Discover, Debit cards, IKEA Gift Cards, as well as cash
  • Read it officially on this page of the IKEA website

JCPenney

  • Accept personal checks? No
  • Other payment methods accepted? Discover, Visa, MasterCard and American Express cards, JCPenney cards and gift cards
  • Read it officially on this page of the JCPenney website

Pharmacies That Do Not Accept Personal Checks

Rite Aid

  • Accept personal checks? No
  • Other payment methods accepted? US-issued Visa, MasterCard, Discover, and American Express, as well Apply pay, Android pay, Samsung pay, gift cards
  • Read it officially on this page of the Rite Aid website

Sporting Goods Stores That Do Not Accept Personal Checks

Champs Sports

  • Accept personal checks? No – except by mail.
  • Other payment methods accepted? Debit cards, Visa, MasterCard, Discover, American Express, JCB, Diners Club, PayPal (for online purchases)
  • Read it officially on this page of the Champs website. We also 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? Debit cards, Visa, MasterCard, Discover, American Express, JCB, Diners Club, PayPal (for online purchases)
  • Read it officially on this page of the Eastbay website

Nike

  • Accept personal checks? No
  • Other payment methods accepted? Debit cards, all major credit cards (Visa, MasterCard, American Express and Discover card), PayPal, gift cards and Nike product vouchers
  • Read it officially on the Nike website. We also contacted a customer support representative to confirm this information.

What stores accept personal checks? Conclusion

Because of the less guaranteed nature of checks and the risk of them bouncing, lots of large retailers no longer accept checks. Each year, many more start to reject them as a method of payment. If you aren’t sure, you can always call ahead. This list will stay updated to always provide you with a trustworthy list of stores that accept checks.

Don’t forget that many retailers impose rules whereby if your check bounces, they will take the value of the check plus a fee (of usually between $20 and $30) directly from your checking account – so be sure you have the funds if you’re paying by check!

We hope you’ve enjoy this list about what stores accept personal checks!

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