What Stores Still Take Personal Checks?

A personal check is a written instruction from an individual to their bank, directing a specific amount of money to be paid from their account to another party. These paper instruments allow individuals to make payments without using cash or electronic transfers. Despite the rise of digital payment methods, some establishments continue to accept personal checks, providing an alternative for consumers who prefer this traditional payment option.

Stores That Commonly Accept Checks

Many types of businesses still accept personal checks, particularly those catering to everyday needs. Grocery stores frequently permit check payments, including major chains like Publix, Safeway, Trader Joe’s, Winn Dixie, and Dillons.

Department stores and general merchandise retailers also often welcome personal checks for purchases. Stores such as Kohl’s, Macy’s, Dillard’s, JCPenney, and T.J. Maxx typically allow this payment method. Large retailers like Walmart, Costco, Dollar Tree, Home Depot, Staples, Walgreens, Best Buy, Hobby Lobby, and Barnes & Noble also accept personal checks. However, some prominent chains like Target, Aldi, Gap, Old Navy, Athleta, and Whole Foods have transitioned away from accepting checks.

For specific services or certain types of purchases, personal checks remain a common form of payment. Utility companies may accept in-person check payments, and many small businesses, especially local ones or those providing specialized services, continue to use them.

Information Required When Paying by Check

When paying with a personal check, customers are typically asked to provide specific information for verification and security. A valid photo identification, such as a driver’s license or other government-issued ID, is required. This helps the business confirm the check writer’s identity and reduces the risk of fraud.

Beyond identification, some retailers may request additional contact details, such as a phone number. This information can be used if there are issues with the check, such as insufficient funds. Customers must also ensure the check is correctly completed, including the current date, the payee’s name (the store’s name), the numerical amount, the written amount, and the customer’s signature. Checks should be pre-printed with the account holder’s name and bank account number, and some stores may require a pre-printed address or for it to be handwritten on the check.

These requirements mitigate risks associated with accepting checks, such as bounced checks or fraudulent activity. Businesses aim to protect themselves from financial losses by verifying the legitimacy of the payment and the person presenting it.

Understanding Check Acceptance Policies

The decision to accept personal checks rests with individual businesses, leading to varied policies. Factors like a store’s internal risk management strategies, past experiences with returned checks, and the prevalence of other payment methods influence these policies. Some businesses find the administrative burden and potential for fraud outweigh the benefits of offering check payments.

Even in stores that generally accept checks, a check might be declined. This can occur if the check has a low number, indicating a newly opened account, or if it is a “starter check” without pre-printed information. Checks may also be rejected if they are third-party checks (made out to someone other than the presenter), made payable to “cash,” or appear altered.

Many retailers utilize check verification services to assess the risk of a check at the point of sale. These services cross-reference the check writer’s information against databases of negative check history, providing an instant recommendation to the merchant. If a check is flagged by such a service, or if the system indicates potential issues like insufficient funds, the business may decline the transaction to avoid future complications and associated fees.