With about 1,800 locations across the United States, Target is a convenient option for both clothing and food shopping. If you’re planning to shop at Target, you may be wondering whether you can use a check to pay for your purchase or cash your check while you’re there. This article will cover everything you need to know about using checks at Target.

In This Article

Can You Pay By Check?

Target stores accept both personal and business checks for payment. Checks are processed electronically through Certegy, a “check risk management company.” Certegy will analyze your check information against its database and then approve or decline your check as a payment method.

By using a check for payment at Target, you authorize Target to process the check electronically. You may be asked to show a state, federal, or military photo ID (such as a driver’s license) when writing a check. According to their policy posted in-store, the funds can be deducted from your account as early as the same day you use the check to pay for your purchase. If your account does not have enough money to cover the check when it’s presented, Target will charge you a $30 fee, which will also be deducted electronically. It’s important to make sure you have enough funds in your account for two reasons – first, you obviously want to avoid the extra charges for writing a returned check. Second, writing a bad check could make it more likely that your checks won’t be accepted for payment in the future.

What If Your Check Is Declined?

If the electronic system declines your check at Target, you can contact Certegy for more information. Their website includes 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.

What Other Payment Methods Are Accepted?

In-Store

If you decide not to pay by check at Target (or if your check is declined by the electronic service), you have several other payment method options. In addition to checks, Target stores accept the following forms of payment:

  • Cash
  • Debit cards
  • Credit cards (Target, Visa, MasterCard, American Express, Discover)
  • Gift cards/ gift certificates (Target, Visa, MasterCard, American Express, Discover)
  • U.S. traveler’s checks
  • Target merchandise vouchers from returns
  • Rebate checks
  • WIC (at some locations)
  • Foreign currency such as Canadian dollars and traveler’s checks or Mexican pesos (at some locations)

Online

When shopping at Target online, you can pay with:

  • Debit card
  • Credit card (Target, Visa, MasterCard, American Express, Discover)
  • Gift card (Target, Visa, MasterCard, American Express, Discover)
  • ApplePay
  • PayPal

Can You Cash Checks?

According to customer service, Target does not cash checks of any kind. So, while you can pay with check, don’t expect to be able to cash your check at Target.

Other Places That Accept and/or Cash Checks

When it comes to paying with a personal check, there are still lots of stores that will accept one. You’ll almost always have to show a government issued photo ID when you pay with a personal check. The only exception might be in stores where you are a repeat shopper and have a history of using checks with the store. In that case, a store card or something similar (that you had to show a government issued ID to apply for) might be used instead. Even if you have a history of using checks at the store without a problem, they could still ask for an ID at any time if you’re paying with a check.

Most stores that accept checks will also scan them through a Certegy or TeleCheck machine. These companies provide check scanning services that assess the check’s riskiness. This protects the business against losing money accepting a bad check and protects checks writers from fraud. But, on rare occasions, these systems could reject a perfectly good check. In that case, you’ll have to call the company to find out what the problem is. If you’d rather bypass the aforementioned check scanning services altogether, take a peek at our list of stores that don’t use TeleCheck or Certegy to help you decide where to shop when you’re looking to pay by check.

We’ve assembled a list of stores that accept personal checks (and those that don’t), for your shopping convenience. See our article What Stores Accept Personal Checks? Here’s the List.

If you need to cash a check rather than pay with it, Target’s not the place to do it. But, we’ve got the complete list of places to do it in our article Check Cashing Place near Me? 70 Places Listed.

In Summary

The good news is that you can use a check to pay for your purchase in any Target store. Bad news? That’s about all you can do with checks at Target. Target won’t cash your checks for you, but if you do need a check cashed, there are at least 20 other grocery stores and superstores that do.