Short Answer: Target accepts personal checks as payment for in-store purchases but does not cash checks. For more information about Target’s check acceptance and check cashing policies, see below.
Does Target Accept Checks?
Target accepts personal checks for payment at its stores. To pay by check, you must pass Target’s check verification system, and the cashier may ask you to show a photo ID. You cannot use checks to pay for online purchases.
To find out more about Target’s check acceptance policy, we contacted the retailer’s customer service department and several store locations; information about payment types also appears in Target.com’s help section.
Target only accepts personal checks from U.S. bank accounts. It may accept business checks under some conditions but generally does not accept them. It also does not accept foreign checks, traveler’s checks, cashier’s checks, or other check types.
Want to know which other stores accept personal checks? See our complete list of retailers that take personal checks.
When paying by check at Target, you may need to show a photo ID. Target will accept any state, federal, or military photo ID, including a valid driver’s license or state-issued, non-driver ID. There are no minimum purchase requirements or limits when paying by check.
Note that Target may deduct the funds from your account as early as the same day you use the check. If your account does not have enough money to cover the check, Target will charge a $30 fee, which will electronically deduct from your bank. In addition to the extra charges, writing a check with insufficient funds may stop Target from accepting your checks for future orders. It is best to be sure you have enough funds to cover your purchase before paying by check.
By using a check for payment at Target, you authorize Target to process the check electronically. Target processes checks through Certegy, a third-party risk management company. Certegy will analyze your check information against its database and then approve or decline your check.
If the electronic system declines your check at Target, you can contact Certegy for more information. Certegy offers a Declined Check Lookup feature where you can find out why your check was declined. You can also request a copy of the information in your file to verify that it is correct.
Have a negative Certegy file or an in-progress dispute about an error on your file? For other places to shop, see our list of stores that don’t use TeleCheck or Certegy.
Does Target Cash Checks?
Target does not cash payroll checks, personal checks, or other types of checks, customer service representatives said. While you can pay for your purchase with a check, Target does not offer financial services like check cashing or money orders (as previously reported).