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

Forms of payment have evolved along with the rise of technology. Today, credit cards, debit cards, and even mobile apps are the most common way to pay for everything — and while cash is still accepted, many businesses no longer take personal checks.

However, many people still carry and use a checkbook for a number of reasons. We’re here to help with a list of restaurants that accept personal checks as payment, and we’re also including any restaurants with delivery services that will take checks for home delivery orders.

But first, a note on franchises…

Why Restaurant Check Policies Vary from Location to Location

Most national and regional restaurants are operated as franchises. This means franchise owners pay for the rights to use that restaurant’s branding and suppliers, and individual store policies on things like accepted payments types are set by the owner of a single restaurant or group of restaurants. An individual restaurant that is a franchise could choose not to accept checks for various reasons, the most common being that personal checks are one of the riskiest forms of payment. So, some franchise owners will accept checks at their restaurants, while others will not, despite the corporate policy that applies to any non-franchise restaurant locations. For this reason, it’s always a good idea to check ahead of time whether a location will accept a check, especially if you know they are a franchised location. And now, on to the list!

The List of Restaurants That Take Checks

The following restaurants may accept checks for purchases made in the restaurant itself (see our list of carry-out options below this section). We do not believe there to be any US restaurant chains that accept checks at all locations.

We spoke with customer service representatives to verify check acceptance policies at these restaurants, but the majority emphasized that whether or not a particular restaurant location accepts checks depends on the franchise owner. You should also have your government-issued photo ID ready to show, as they generally require identification for using personal checks.

If you’d like to use a personal check at a restaurant near you, it’s a good idea to call ahead to your location and find out whether they take checks. Use the store locators to find a local restaurant and its contact information. If the restaurant of your choice does not accept checks, you can always visit one of these check cashing places near you and just pay cash.

1. Applebee’s

2. Chipotle Mexican Grill

Note: Chipotle’s restaurants are all corporate owned rather than franchised. However, the check acceptance policies are set by the restaurant managers.

  • Restaurant type: Fast-casual Mexican fare; dine-in, carry-out, catering, some delivery services.
  • Accepts checks? Yes, at some locations. Call ahead to confirm. Does not accept personal checks for delivery or catering services, but does accept business checks for catering.
  • Accepts checks for online ordering? No
  • Locations: Most states (43). Find the nearest Chipotle Mexican Grill using the store locator

3. Cracker Barrel

4. Domino’s

  • Restaurant type: Pizza chain with carry-out and delivery services; some dine-in restaurants.
  • Accepts checks? Yes, at some locations. Call ahead to confirm.
  • Accepts checks for online ordering? No
  • Locations: Nationwide. Find the nearest Domino’s using the store locator

5. International House of Pancakes (IHOP)

  • Restaurant type: Pancake house and fast-casual dining; dine-in and carry-out options.
  • Accepts checks? Yes, at some locations. Call ahead to confirm.
  • Accepts checks for online ordering? No
  • Locations: Nationwide. Find the nearest IHOP using the store locator

6. Jimmy John’s

  • Restaurant type: Gourmet sandwiches; carry-out, delivery, and catering services.
  • Accepts checks? Yes, most locations accept checks. Call to confirm.
  • Accepts checks for online ordering? No
  • Locations: All states except Alaska, Hawaii, Connecticut, Maine, New Hampshire, and Vermont. Find the nearest Jimmy John’s using the store locator

7. Papa John’s Pizza

  • Restaurant type: Pizza chain with carry-out and delivery services.
  • Accepts checks? Very rarely; a few franchise owners will accept checks. Call ahead to confirm.
  • Accepts checks for online ordering? No
  • Locations: Nationwide. Find the nearest Papa John’s Pizza using the store locator

8. Pizza Hut

  • Restaurant type: Fast casual pizza, Italian fare, and side dishes; dine-in, carry-out, and delivery offered.
  • Accepts checks? Yes, at some locations. Call ahead to confirm.
  • Accepts checks for online ordering? No
  • Locations: Nationwide. Find the nearest Pizza Hut using the store locator

The List of Restaurants That Take Checks for Delivery

Of our list above, only the following restaurants accept personal checks for delivery, and only in some locations. As with check acceptance policies for dine-in and carry-out orders, these restaurant policies vary according to the franchise owner. And, as with in-restaurant purchases, be ready to show a government-issued photo ID. Restaurant names link to the restaurant’s store locator, which you can use to find your local store’s contact information.

Restaurants That Don’t Take Checks

Didn’t see the restaurant you had in mind on our list? Here are the restaurants that we confirmed don’t accept checks:

  • Arby’s
  • Buffalo Wild Wings (see if BWW accepts Apple Pay)
  • Chili’s
  • Kentucky Fried Chicken
  • Olive Garden
  • Outback Steakhouse
  • Panera Bread
  • Red Lobster
  • Red Robin Gourmet Burgers and Brews

As you can see you can’t always pay with a check at your favorite restaurant. However, there are still plenty of places where you can. You can visit these gas stations that take checks and stores that accept personal checks.

In Summary

The personal check may be a slowly vanishing form of payment, but there are still some restaurants that will accept checks as payment. Be aware that individual restaurants are typically able to set their own check acceptance policy, even though the corporate policy is to accept personal checks. We hope you’ve found some value in this article about restaurants that take checks!