What Stores Accept Personal Checks? 60+ Stores That Take Checks

Short Answer: A few of the stores that will accept a personal check as payment are Hobby Lobby, Barnes & Noble, Kmart, Kohl’s, Macy’s, Dollar Tree, Meijer, Publix, The Home Depot, Walgreens, and Costco. For the list of more than 60 stores that will take a personal check, see below.

Stores That Accept Personal Checks

You can still pay with a personal check at grocery stores, department stores, and more. Below, we list more than 60 stores that will accept a personal check as payment.

Keep in mind that, at any of these stores, you will need to show a photo ID (such as a driver’s license, state-issued ID, or passport) to prove your identity when paying with a check. Our list details any additional conditions or requirements for using a check at each store. Scroll below the table for a listing of stores by type (including craft stores, grocery stores, and home stores).

Store Conditions
Hobby Lobby In-store only
JOANN In-store only
Ulta Beauty In-store only
Barnes & Noble In-store only
Burlington In-store only
Dillard's In-store only
JCPenney In-store only
Kmart In-store purchases or Pay In Store online orders
Kohl's In-store only
Macy's In-store only
Marshalls In-store only
Neiman Marcus In-store only
Nordstrom In-store only
Ross Dress for Less In-store only
Sears In-store only
Target In-store only
T.J. Maxx In-store only
Walmart In-store purchases or store pick-up only
Big Lots In-store (physical checks) and online (PayPal eChecks)
Dollar General In-store only
Dollar Tree In-store only
Family Dollar In-store only at select locations
Best Buy In-store (physical checks) and online (PayPal eChecks)
Fry's In-store or by mail
Albertsons In-store only
Food Lion In-store only
Fred Meyer In-store only; amount limits vary by location
Giant Eagle In-store only; must have a Giant Eagle Advantage Card
Hannaford In-store only; amount limits vary by location
Harris Teeter In-store only; amount limits vary by location
H-E-B In-store only; amount limits vary by location
Jewel-Osco In-store only
Kroger In-store only
Marc's In-store only; must apply for check privileges at the customer service desk
Meijer May be written for up to $25 over the total in-store and $5 over the total at gas stations
Publix In-store only
Safeway In-store only
Save A Lot In-store at select locations
Save Mart In-store only; must be written for the current date, made out directly to the store, and have an address in CA or NV
Shaw's In-store only
ShopRite In-store only; policies vary by location
Tops Friendly Markets In-store only
Trader Joe's In-store only
Wegmans In-store only; Shoppers Club card required
WinCo Foods In-store only; photo ID required; must include a printed local address
Winn-Dixie In-store only; photo ID and manager approval required
Ace Hardware In-store only at select locations
Harbor Freight Tools In-store and mail orders
The Home Depot In-store only
Lowe's In-store only
Menards In-store only
Pacific Sales In-store (physical checks) and online (PayPal eChecks)
Valu Home Centers In-store only; photo ID and local address required
Office Depot/OfficeMax In-store or phone orders
Staples In-store, online, and delivery
PetSmart In-store only
CVS In-store only
Rite Aid In-store only
Walgreens In-store only
Goodwill In-store only
Foot Locker In-store and by mail
Finish Line In-store only
Bass Pro Shops In-store or mail orders
Cabela's In-store or mail orders
Champs Sports In-store or mail orders
Eastbay Mail orders only
Gander Outdoors In-store or by phone
BJ's Wholesale Club In-store only
Costco In-store only; may require photo ID and manager's approval
Sam's Club In-store only

Arts and Crafts Stores

Hobby Lobby

JOANN

  • Conditions: In-store only
  • Source: Customer support

Beauty Stores

Ulta Beauty

Bookstores

Barnes & Noble

Department Stores

Burlington (formerly Burlington Coat Factory)

  • Conditions: In-store only
  • Source: Customer support

Dillard’s

  • Conditions: In-store only
  • Source: Customer support

JCPenney

  • Conditions: In-store only
  • Source: Customer support

Kmart

Kohl’s

  • Conditions: In-store only
  • Source: Customer support

Macy’s

Marshalls

Neiman Marcus

  • Conditions: In-store only
  • Source: Customer support

Nordstrom

  • Conditions: In-store only
  • Source: Customer support

Ross Dress for Less

  • Conditions: In-store only
  • Source: Customer support

Sears

  • Conditions: In-store only
  • Source: Customer support

Target

T.J. Maxx

Walmart

  • Conditions: Valid in-store or for online purchases you will pick up in-store. If you’re ordering online to pick up in-store, select “Pay With Cash” and then bring your checkbook with you.
  • Source: Walmart Accepted Payment Methods

Discount Stores

Big Lots

  • Conditions: E-checks accepted online (through PayPal) and personal checks accepted in-store
  • Source: Customer support

Dollar General

Dollar Tree

Family Dollar

Electronics Stores

Best Buy

Fry’s

  • Conditions: Checks accepted in-store and you can mails checks to Fry’s for online purchases
  • Source: Fry’s Payment Methods

Grocery Stores

Albertsons

  • Conditions: In-store only
  • Source: Customer support

Food Lion

Fred Meyer

  • Conditions: In-store only; limits may vary by store location
  • Source: Customer support

Giant Eagle

  • Conditions: In-store only; must have a Giant Eagle Advantage Card, and the name on the check must match the name on the card
  • Source: Giant Eagle policies

Hannaford

Harris Teeter

H-E-B

Jewel-Osco

  • Conditions: In-store only
  • Source: Customer support

Kroger

Note: The Kroger family of stores includes Baker’s, Dillons, Food 4 Less, Fred Meyer, Fry’s Food, King Soopers, Ralphs, and Smith’s stores, all of which have the same check policy.

  • Conditions: Must provide government-issued photo ID from the state you are shopping or a nearby state. As a first-time check writer at Kroger, the store may limit you to writing a check valued up to $150, although first-time check writing limits may vary by location.
  • Source: Customer support
  • See more in our article: Does Kroger Take Checks?

Marc’s

  • Conditions: Checks only accepted from “approved customers.” Apply at any Marc’s customer service desk for check-cashing privileges.
  • Source: Marc’s Payment Policy page and customer support

Meijer

  • Conditions: May be written for up to $25 over the total in-store and $5 over the total at gas stations.
  • Source: Meijer check policy

Publix

Safeway

Save-A-Lot

  • Conditions: In-store only; payment methods do vary by location, so select stores may not take checks.
  • Source: Save-A-Lot Payment Methods

Save Mart

  • Conditions: Must be numbered 200 or higher, written for the current date, made out directly to the store, preprinted with an address in California or Nevada, and accompanied by valid photo ID. Check can be written for up to $50 more than the purchase amount if you want to receive cash back.
  • Source: Save Mart Store Policy Guidelines

Shaw’s

  • Conditions: In-store only
  • Source: Customer support

ShopRite

  • Conditions: In-store only; stores are individually owned and operated, so policies may vary
  • Source: Customer support

Tops Friendly Markets

Trader Joe’s

Wegmans

  • Conditions: In-store only; customers must present a valid Shoppers Club card
  • Source: Customer support

WinCo Foods

  • Conditions: In-store only; must provide a valid driver’s license or government-issued photo ID card and corresponding address. Military ID, Native American ID, and passports accepted with an additional form of ID. Checks must include a phone number and printed address within the local trading area.
  • Source: WinCo Foods FAQs

Winn-Dixie

  • Conditions: In-store only; must present a government-issued photo ID. Check payments are subject to the manager’s discretion and may be refused. Policies vary by location.
  • Source: Customer support

Home Improvement Stores

Ace Hardware

Harbor Freight Tools

The Home Depot

Lowe’s

Menards

Pacific Sales

Valu Home Centers

  • Conditions: Valu Home Centers only accept checks if you are local, and you must provide your driver’s license.
  • Source: Customer support

Office Supply Stores

Office Depot/OfficeMax

Staples

Pet Stores

PetSmart

  • Conditions: In-store only
  • Source: Customer support

Pharmacies

CVS

Rite Aid

  • Conditions: In-store only
  • Source: Customer support

Walgreens

Secondhand Stores

Goodwill

Shoe Stores

Foot Locker

Finish Line

Sporting Goods Stores

Bass Pro Shops

Cabela’s

Champs Sports

Eastbay

Gander Mountain

Wholesale Clubs

BJ’s Wholesale Club

  • Conditions: In-store only; Business Members may also use business checks.
  • Source: BJ’s Help Center

Costco

  • Conditions: In-store only; must be a Costco member. Checks are not accepted at fuel stations or car washes. Checks may require a photo ID and managerial authorization.
  • Source: Costco Member Privileges and Conditions

Sam’s Club

Stores That Don’t Accept Personal Checks

99 Cents Only

ALDI

Empire Today

  • Accepted payment types: Visa, Mastercard, American Express, Discover, Diners Club International, money orders, and certified checks.
  • Source: Empire Today FAQs

Gap Stores

  • Accepted payment methods: Cash, Visa, Mastercard, JCB, American Express, Diners Club, Discover, and gift cards
  • Source: Customer support

IKEA

  • Accepted payment methods: Cash, Visa, Mastercard, American Express, Discover, debit cards, and IKEA gift cards
  • Source: IKEA Payment Options

Nike

  • Accepted payment methods: Cash, debit cards, Visa, Mastercard, American Express, Discover, PayPal, gift cards and Nike product vouchers
  • Source: Customer support

Tractor Supply Co.

  • Accepted payment methods: Cash, Visa, Mastercard, American Express, Discover, Tractor Supply Personal Credit Card, Tractor Supply Gift Cards, and PayPal.
  • Source: Tractor Supply Co. Terms and Conditions

True Value

  • Accepted payment methods: Cash, Visa, Mastercard, American Express, Discover, debit cards, PayPal, and gift cards.
  • Source: True Value customer service

Whole Foods

  • Accepted payment methods: Cash, Visa, Mastercard, American Express, Discover, debit cards, Apple Pay, and Android Pay
  • Source: Customer support

26 comments

  • Sarally says:

    I know that Giant and Weis Markets in Maryland accept checks. (These companies appear to be regional and only operate in a few states.) In fact, some thief has successfully used my checking account information to purchase goods at a number of different Giant and Weis stores. The total amount attempted is $1,262.11 (13 attempts at 9 different locations).

    NOTE: I am not missing any checks, so I’m not totally sure how the thief figured out my account number: probably he guessed.

    My bank and/or TeleCheck declined most of the attempts. These stores do not ask for ID, so anyone with a good hunch can guess at the account number, create his own checks, and try to cash them. The check is run through a TeleCheck terminal and returned to the check writer. No proof of identity is needed to cash a check (so, it’s similar to using a debit card without a PIN). It’s treated as an ACH payment.

    The check is not photographed, so there is NO RECORD and NO EVIDENCE of the crime. I have filed police reports, and Giant has had to reimburse my bank for their lax security. (There are cameras, though, in the ceilings, so my prayer is that this crook gets caught.)

    • Rebecca Turley says:
      First Quarter Finance logostaff

      Hi Sarally,

      I am so sorry to hear about all your troubles! We only included the larger regional and national chains in our article, but as you said, smaller chains like Giant and Weis Markets will accept checks. I hope you find a resolution to this mess, and I hope they catch the person who did this!

  • christy grayson says:

    I think you should distinguish between “purchasing” with echecks and “making a credit card payment” with echecks. Most of the stores that you list that take checks online, only take them when making a credit card payment, you cannot actually purchase with checks online. I have tried several of these stores and they only accept credit cards for payments when checking out.

    • Laura Bachmann says:
      First Quarter Finance logostaff

      Hi Christy,

      This article is specifically about paying with a check in store, and not about echecks. Most stores will only take checks in store. We specified that some stores accept checks in-store only because those stores specifically said that in their published policies. We have a separate article for stores that accept checks online: Where to Shop Online and Pay with Checking Account Numbers Only.

    • Rebecca Turley says:
      First Quarter Finance logostaff

      Hi Roxy,

      We checked their website and then contacted their customer service department. We were unable to successfully speak with anyone in their customer service department, and their website did not detail their check writing policy. We will keep trying and keep you updated if were are able to find an answer.

  • I work for Petco we accept personal checks with I.D and phone number. I.D Number, expiration date and phone number need to be written on the check.

    • Rebecca Turley says:
      First Quarter Finance logostaff

      Hi Steve,

      Thanks for this information! We will examine the Petco personal check policy and update the article accordingly.

  • The “Stores that do not accept personal checks” section is a little misleading as some of this is based off of links that refer only to online purchase policies, not physical store policies which can often differ somewhat. For instance, the Nike link above, besides saying they don’t accept checks, it also says Nike doesn’t accept cash which I would find hard to believe in their physical stores, but makes more sense for online purchases.

    Also, the Whole Foods link takes you to their delivery arm which as an online entity would make sense if they didn’t take checks, but am not seeing anything either for or against definitively stating their physical store locations do not accept a check. And found that their catering arm does accept checks which would lead me to believe that in their local stores, they are taking checks (http://www.wholefoodsmarket.com/service/catering-16)

    Appreciate the effort to better define this, but feels like the best way to confirm this is to do some legwork and visit these stores physically,

    • Sarah Quinn says:
      First Quarter Finance logostaff

      Mike,

      Thank you so much for bringing your concerns to our attention. I confirmed with Nike corporate headquarters that their store locations will indeed accept cash as a form of payment, but that their stores do not accept checks, and I’ve already updated the article accordingly. I’ve also added cash as a payment method for other stores where applicable. I’ve individually checked other stores on the list that don’t clearly state an in-store policy on their website to make sure their in-store policy is accurately reflected in the article.
      I spoke to a representative of Whole Foods and they confirmed that they cannot accept personal checks as a method of payment.
      We have just contacted every company listed in this article that doesn’t publish an in-store accepted payment methods page to confirm their in-store policies; of course, it is always possible that policies will vary by individual location, but we’ve done the legwork in terms of confirming the details for each individual company by contacting their corporate headquarters.
      I appreciate your attention to accuracy, and I hope this helps!

    • Hillary M. Miller says:
      First Quarter Finance logostaff

      Hi J,

      Car Toys’ physical store locations do generally accept checks. (It may be worth finding the phone number for your local store and verifying that this is the case at that location, just to be sure.) However, according to Car Toys customer support, the company does not accept checks for online orders. I hope this helps!

  • I’ve written a check at many of the locations that you have listed under “will not accept a check.” Home Depot, JCPenny, Petsmart, CVS, just to name a few. Personally I think it depends more on the area than the actual store as to their particular policy on checks.

    • Hillary M. Miller says:
      First Quarter Finance logostaff

      Hi Bill,

      Thanks for bringing this to our attention! Policies definitely can and do vary by individual store location. It seems that for some of the stores you mentioned, the policies cited in the article refer specifically to online purchases, and may not apply to in-store purchases. We’ll be reviewing the other stores listed in the article to verify accuracy and check for similar oversights. I apologize for any confusion that the article has caused and thanks again for writing in!

    • Hillary M. Miller says:
      First Quarter Finance logostaff

      Hi Bill,

      I wanted to let you know that we have re-assessed each individual store to be sure it’s in the correct category and updated the listings based on our new research. Of course, as you said, policies often vary by individual store location, but the revised version of the article is now a more accurate reflection of the general company policy with each of these stores. Again, thanks for writing in!

  • I worked at a Lowe’s store for a year and a half and we’ve accepted personal checks as long as we could check I’d and the names matched. May have just been my store but Lowe’s is very connected to corporate (in a good way) so I doubt it was just my store.

    • Hillary M. Miller says:
      First Quarter Finance logostaff

      Hi Travis,

      You’re absolutely right! I apologize for the ambiguity in the article. Lowe’s does not accept personal checks for online orders, but checks are accepted for in-store purchases. I reached out to Lowe’s customer support to confirm this and updated the article accordingly. Thanks for letting us know!

  • I used to work at both JoAnns Craft store and Toys R Us and I also shop at CVS. All 3 of these stores do accept personal checks.

    • Hillary M. Miller says:
      First Quarter Finance logostaff

      Hi Ally,

      I went ahead and made a note in the article to clarify that the published policy at those stores applies specifically to online orders, so customers may be able to pay by check for in-store purchases. Thank you for writing in and bringing that to our attention!

    • Hillary M. Miller says:
      First Quarter Finance logostaff

      Hi Bella,

      I couldn’t find any information on the Shoe Department website, but I went ahead and contacted the company and was advised that the stores do accept personal checks.

  • Melissa says:

    I use personal checks at giant eagle all the time (slippery rock, PA). As long as your store card matches the name on the check they’ll accept them

    • William Lipovsky says:
      First Quarter Finance logostaff

      Hi Melissa,

      Thank you for your comment! You’re are absolutely right and the post has been updated. We are deeply sorry for any confusion this has caused you or others.

  • Malia hokoana says:

    Does any convenience store, “711” or other gas stations” accept checks?