While debit cards have become the norm, personal checks are still welcomed by many retailers. And among retailers that accept checks as payment, a select number allow customers to get cash back at the register by simply writing the check out for more than the cost of the purchase. Thanks to these retailers, your personal check is just as convenient as a debit card. But you’re probably wondering, “Where can I write a check and get cash back?” This article will help…

Below, we’ve compiled a list of places where you can get cash back with a personal check, how much cash back you can get, and what you’ll need to bring with you.

In This Article

  • How to Use a Personal Check to Get Cash Back

  • Stores Where You Can Use a Personal Check to Get Cash Back

  • Stores That Don’t Give Cash Back with Personal Checks

How to Use a Personal Check to Get Cash Back

Getting cash back at the register with a personal check is pretty straightforward: Instead of writing the check for the amount of the purchase, 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 ($15.32 + $25).

Most stores will require you to show a valid government-issued ID when using a personal check, and some may require you to also have a store loyalty card. Also, keep in mind that all stores have cash back limit policies, with most giving between $20-$40 cash back.

Stores Where You Can Use a Personal Check to Get Cash Back

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

The following retailers give cash back when you pay with a personal check:

1. Albertsons (Including Vons)

  • Requirements: Valid ID
  • Cashback limit for personal checks: $25
  • Source: Call to customer service
  • Find a store

2. Food Lion

3. Giant Eagle

4. Hannaford

  • Requirements: Valid ID
  • Cashback limit for personal checks: $100
  • Source: Call to customer service
  • 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.

5. Kroger

  • Requirements: Valid ID; limit of one check over the purchase amount per week
  • Cashback limit for personal checks: $20
  • Source: Call to customer service
  • Find a store

6. Market Basket

  • Requirements: Valid ID
  • Cashback limit for personal checks: $20
  • Source: Call to customer service
  • Find a store

7. Meijer

  • Requirements: None specified
  • Cashback limit for personal checks: $25 in stores and $5 at gas stations
  • Source: Meijer website
  • Find a store

8. Stop & Shop

9. Target

  • Requirements: Valid ID
  • Cashback limit for personal checks: $40
  • Source: Call to customer service
  • Find a store

10. Tops

  • Requirements: Valid ID
  • Cashback limit for personal checks: $40
  • Source: Call to customer service
  • Find a store

11. Walgreens

  • Requirements: Valid ID
  • Cashback limit for personal checks: Varies by location
  • Source: Call to customer service
  • Find a store

12. Walmart

  • Requirements: Valid ID
  • Cashback limit for personal checks: $20
  • Source: Call to customer service. Learn more about Walmart’s personal check policy here.
  • Find a store

13. Wegmans

  • Requirements: Valid ID and Wegmans Shoppers Club Card; checks must have the same name as the card.
  • Cashback limit for personal checks: $40
  • Source: Call to customer service
  • Find a store

NOTE: Wegmans will also cash personal checks without a purchase for Shoppers Club Card holders. Amounts vary according to how long you’ve had the card, from $200 every six days for new card holders to up $500 every six days when you’ve been a cardholder for six months or more. See this page on the Wegman’s website for full details.

14. Winn-Dixie

Stores That Don’t Give Cash Back with Personal Checks

Didn’t see your favorite store on the list? Some stores will accept personal checks, but will not give cash back for check purchases. These stores include:

  • Big Lots
  • BJ’s Wholesale Club
  • CVS
  • Costco
  • Food 4 Less
  • JCPenney
  • Kmart
  • Kohl’s
  • Macy’s
  • Natural Grocers
  • Rite Aid
  • Sam’s Club
  • Save-A-Lot
  • Sears
  • ShopRite
  • Whole Foods

In Summary

If you use personal checks for shopping, you may be able to get cash back at the register. Note that not all stores that take personal checks for payment provide a cash back option. And among stores that do give cash back with a personal check, be aware of cash back limits.