16 Stores That Give Cash Back on Personal Checks

Sonya Bateman headshot Sonya Bateman
Verified & Updated Oct 16, 2021
man paying with check to get cash back

While cards and digital payment methods have been on the rise in recent years, personal checks are still welcomed by many retailers.

And, among retailers that accept checks as payment, some also allow customers to get cash back at the register.

Getting cash back at the register with a personal check is pretty straightforward. Instead of writing the check for the purchase amount, you write the check for the amount of the purchase plus the amount of cash back you desire.

For example, if your purchase comes to $15.32 and you want $25 cash back, you would write the check for $40.32 to get your desired amount of cash back.

Most stores will require you to show a valid, government-issued ID when using a personal check, and some may also require you to have a store loyalty card.

Also, keep in mind that all stores have cash-back limit policies, with most giving between $20 and $40 cash back at maximum.

What We Recommend

While Hannaford and Winn-Dixie both offer up to $100 in cash back during a single transaction, you can always do multiple transactions at other stores to get your desired amount of cash back.

Food Lion, H-E-B, and Stop & Shop stores all allow you to get up to $50 in cash back from personal check transactions.

The List

Many types of stores accept personal checks as in-store payment, but most retailers that give cash back with personal checks are grocery stores.

We list them below, starting with the stores that have the highest cash-back limits.

Hannaford logo

1. Hannaford

  • Limit: $100[1]
  • Other payment methods for cash back: Debit card, Discover credit[1]
  • Find a store

Note: Hannaford uses an electronic checking system that does not require you to fill out your check. A blank check is scanned at the register, and customers use the PIN pad to sign the check and request cash-back amounts, similar to a debit card.

Winn-Dixie logo

2. Winn-Dixie

  • Limit: Varies by store location; typically $100[2]
  • Other payment methods for cash back: Debit card and Discover credit[2]
  • Find a store

Need more cash back? Check out our article about writing a check for cash.

Food Lion logo

3. Food Lion

  • Limit: $50[3]
  • Other payment methods for cash back: Debit card and EBT (up to $200)[4]
  • Find a store

H-E-B logo

4. H-E-B

Stop and Shop logo

5. Stop & Shop

  • Limit: $50 for new customers; $100 for returning customers[6]
  • Other payment methods for cash back: Debit card[6]
  • Find a store

Wegmans logo

6. Wegmans

Note: Wegmans will also cash personal checks without a purchase for Shoppers Club cardholders (as previously reported).

Tops Friendly Markets logo

7. Tops Friendly Markets

Giant Eagle logo

8. Giant Eagle

  • Limit: $30[9]
  • Other payment methods for cash back: Debit card (up to $50)[9]
  • Find a store

Albertsons logo

9. Albertsons

  • Limit: $25[10]
  • Other payment methods for cash back: Debit card ($100 to $300), Discover credit (up to $120)[10]
  • Find a store

Meijer logo

10. Meijer

  • Limit: $25 in stores and $5 at gas stations[11]
  • Other payment methods for cash back: Debit card (up to $50 in stores and $5 at gas stations)[11]
  • Find a store

Vons logo

11. Vons

  • Limit: $25[12]
  • Other payment methods for cash back: Debit card (up to $200), Discover credit[12]
  • Find a store

Walmart logo

12. Walmart

  • Limit: $20[13]
  • Other payment methods for cash back: Debit card (up to $100 in increments of $20)[13]
  • Find a store

Our articles have more information about Walmart’s personal check policy and Walmart’s cash-back policy.

Target logo

13. Target

  • Limit: $20[14]
  • Other payment methods for cash back: Debit card (up to $40 in $20 increments)[14]
  • Find a store

Kroger logo

14. Kroger

  • Limit: $20; note that Kroger charges a small fee for cash back.[15]
  • Other payment methods for cash back: Debit card, Discover credit[15]
  • Find a store

Our article has more information about Kroger’s cash-back policy.

Walgreens logo

15. Walgreens

Our article has more information about the Walgreens cash-back policy.

Market Basket logo

16. Market Basket

Stores That Don’t Give Cash Back With Personal Checks

Some stores will accept personal checks but won’t give cash back for check purchases.

In the course of our research, we found that the following stores don’t give cash back for check purchases:

  • Big Lots
  • BJ’s Wholesale Club
  • CVS (as previously reported)
  • Costco
  • Food 4 Less
  • JCPenney
  • Kmart
  • Kohl’s
  • Macy’s
  • Natural Grocers
  • Rite Aid (as previously reported)
  • Sam’s Club
  • Save-A-Lot
  • Sears
  • ShopRite
  • Target (as previously reported)
  • Whole Foods
  1. Hannaford customer service (800) 213-9040[↩][↩]
  2. https://www.wincofoods.com/customer-service/faqs/[↩][↩]
  3. https://www.foodlion.com/customer-service/policies-and-guarantees/[↩]
  4. Food Lion customer service (800) 210-9569[↩]
  5. H-E-B customer service (800) 432-3113[↩][↩]
  6. Stop & Shop customer service (800) 767-7772[↩][↩]
  7. Wegmans customer service (800) 934-6267[↩][↩]
  8. Tops customer service (800) 522-2522[↩][↩]
  9. https://account.gianteagle.com/policies[↩][↩]
  10. Albertsons customer service (877) 276-9637[↩][↩]
  11. https://help.meijer.com/s/article/What-is-the-Meijer-store-CheckDebit-Acceptance-policy[↩][↩]
  12. Vons customer service (877) 723-3929[↩][↩]
  13. Walmart customer service (800) 925-6278[↩][↩]
  14. Target customer service (800) 440-0680[↩][↩]
  15. Kroger customer service (800) 576-4377[↩][↩]
  16. Walgreens customer service (800) 925-4733[↩][↩]
  17. Market Basket customer service (978) 851-8000[↩][↩]
See more content about Cash Back at the Register

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