Restaurants That Take Checks: Dine-In & Delivery Options Listed

Credit cards, debit cards, and mobile apps have become the most common forms of payment in restaurants and stores alike. However, there are still businesses that accept checks. Below, we list the restaurants that still accept personal checks as payment.

Before you browse our list, it’s important to note that payment methods may vary at each restaurant location. Most national and regional restaurants are franchises, meaning they have local owners and can choose not to accept certain forms of payment. Since checks are relatively risky for the business owner to accept (they may bounce), some franchisees choose not to accept them at all. For this reason, it’s always a good idea to contact the location you plan to visit and ask if it accepts checks.

The List

We spoke with customer service representatives at the following restaurants and found that they do generally accept checks — though again, remember that check acceptance may vary by location. We order our list by which chains accept checks most widely.

Note that you should also have your government-issued photo ID on hand, as restaurants that do accept personal checks generally require identification.

1. Cracker Barrel

2. International House of Pancakes (IHOP)

  • Accepts checks for dine-in orders? Select locations[2]
  • Accepts checks for delivery/take-out? No[2]
  • Find an IHOP

3. Chipotle

  • Accepts checks for dine-in orders? Yes, at some locations. Chipotle’s restaurants are corporate-owned rather than franchised, but check the restaurant managers set payment acceptance policies.[3]
  • Accepts checks for delivery/take-out? No[4][5]
  • Find a Chipotle

4. Papa John’s

5. Pizza Hut

  • Accepts checks for dine-in orders? Some locations at the discretion of management[8]
  • Accepts checks for delivery/take-out? No[9]
  • Find a Pizza Hut

6. Domino’s Pizza

7. Jimmy John’s

8. Applebee’s

Restaurants That Don’t Take Checks

In the course of our research, we confirmed that the following restaurants usually don’t take checks:

  • Arby’s
  • Buffalo Wild Wings (See our related research for Buffalo Wild Wings’ Apple Pay policy.)
  • Burger King
  • Chili’s
  • Culver’s
  • Denny’s
  • KFC
  • LongHorn Steakhouse
  • McDonald’s
  • Olive Garden
  • Outback Steakhouse
  • Panda Express
  • Panera Bread
  • Red Lobster
  • Red Robin
  • Subway
  • Taco Bell
  • Texas Roadhouse

If you’d like to dine at one of these restaurants and don’t have any payment method on hand other than checks, you can write a personal check for cash and cash it. For other places that take checks, see our lists of gas stations that take checks and stores that accept personal checks.

  2. IHOP restaurant representatives[][]
  3. Chipotle restaurant representatives[]
  4. Chipotle app[]
  5. Chipotle online ordering system[]
  6. Papa John’s customer service via live chat[]
  8. Pizza Hut customer service (800) 948-8488[]
  10. Domino’s Pizza customer service (734) 930-3030[]
  12. Jimmy John’s customer service (866) 276-6302[]