Short Answer: Kroger accepts checks for in-store purchases. You’ll need to show a photo ID and pass Certegy check verification to pay by check. For more details of the Kroger check acceptance policy, see below.
Does Kroger Take Checks?
When you pay with a check at Kroger, you’ll need to provide a state-issued ID from the state where you are shopping or an adjoining state, such as a driver’s license, a non-driver photo ID card.
First-time check writers have restrictions, which vary by store. We contacted several Kroger locations and found that, in general, first-time check writers are only allowed to write a check of up to $150 and cannot get cash back. This limit is fairly standard across stores, though there are a few with $250 limits, which also allow new check writers to get up to $20 cash back.
Be aware that if more than 90 days pass without you paying by check at Kroger, your history will be lost; Kroger’s computer system doesn’t store this information indefinitely. You may have to start over as a first-time check writer. Customer service representatives told us that you might want to pay by check about once a month to ensure that your history won’t be lost.
If you have a good check-writing history at Kroger, the store may allow you to get cash back when paying with a check. Check writers with history at the store can usually get up to about $20 cash back (as previously reported). Keep in mind, however, that individual Kroger stores can set their own limits. You may want to contact your local store before visiting to determine its specific cash back limit for check writers.
Kroger uses Certegy for check verification (as previously reported). Certegy is a third-party risk assessment company that determines whether your check is safe for the store to cash. If Certegy approves your check, Kroger will deposit it within two to three business days.
If Certegy denies your check, you’ll need to use a different payment method — Certegy’s check acceptance can’t be overridden. However, to avoid future payment issues, it’s a good idea to look up your declined check on Certegy’s website and make sure there aren’t any errors in your Certegy report.
If a check is returned for non-sufficient funds, Kroger will resubmit the check to your account up to two more times. Returned checks are subject to a return check fee, which Kroger will charge to your account seven to ten days after the check clears. Return check fees are limited by state law and generally range from $20 to $40.
If the check still doesn’t clear after two attempts, Kroger will contact you regarding the outstanding check. Returned checks reflect negatively on your check history with Kroger; you won’t be able to pay by check again until the check has cleared.