Does The Home Depot Take Checks? Does Lowe’s? Answered

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.

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.

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.

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.

In Summary

Both Lowe’s and Home Depot accept checks for purchases made in their stores. 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. For more stores that accept personal checks, including a longer list of home improvement stores that accept personal checks, see our article What Stores Accept Personal Checks? Here’s the List.