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. You might also wonder whether you can cash your check while you’re there. This article will cover everything you need to know about using checks at Target.
In This Article
Does Target Accept Checks for Payment?
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 at Target?
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 Does Target Accept?
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:
- 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)
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)
Other Stores That Accept Checks as Payment
Many major retailers and grocery stores accept checks as a method of payment. To help you out, we’ve listed common store with locations nationwide that accept checks.
1. Best Buy
3. Dollar Tree
4. Family Dollar
7. Sam’s Club
For a more complete and detailed list of places where you can pay by check, see the article “What Stores Accept Personal Checks? Here’s a Large List.”
Does Target 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.
Similar Stores That Do Cash Checks
- Types of checks cashed: Payroll, government, two-party
- Fees: $1 or less; free in CT, DE, GA, NJ, PA, PR, SC, WA, and GU
- Source: Kmart Money Services
- Find your nearest Kmart.
2-17. Kroger and Kroger Affiliate Stores
Kroger-owned stores include: City Markets, Copps, Dillons, Fred Meyer, Fry’s, King Soopers, Mariano’s Fresh Market, Metro Market, Pick ‘n Save, Quality Food Centers (a.k.a. QFC), Ralphs, Food 4 Less, and Smith’s Food and Drug
- Types of checks cashed: Payroll checks, government checks (such as social security, welfare, and disability), tax refund checks, insurance settlement checks, and printed business checks (such as rebate checks or refund checks).
- Fees: $3.50 for checks $2,000 and under and $6 for checks $2,000.01 – $5,000.
- If you have a store Plus Card, it costs $3 for checks $2,000 and under and $5.50 for checks $2,000.01 – $5,000. Sign up for a store Plus Card online or at a checkout clerk or customer service desk in store.
- Source: The Kroger Co. Money Services – Check Cashing page
- Find your nearest Kroger (or Kroger Affiliate store).
- Learn more in our article: Does Kroger cash checks? Yes. Here’s the Kroger Check Cashing Policy
- Types of checks cashed: Personal, payroll
- Fees: $3-$6 per check, depending on the location.
- Source: Publix FAQs
- Find your nearest Publix.
19. Stop & Shop
- Types of checks cashed: Payroll, government
- Fees: Vary by store
- Source: Stop & Shop FAQs
- Find your nearest Stop & Shop.
- Types of checks cashed: Payroll, government, tax refund, cashiers’, insurance, retirement
- Fees: $3 for checks up to $1000, $6 for checks $1000 to $5000
- Source: Walmart Check Cashing
- Find your nearest Walmart.
- Learn more in our article: Walmart Check Cashing Policy: Hours, Limit, Fees, and More
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 cash checks.