In today’s world, personal checks are still commonly used, but not all stores accept them. So it is crucial to be aware of some of the stores that will accept your check for payment before your shopping visit. Let’s read What Stores Accept Personal Checks?
What Stores Accept Personal Checks?
You can still make payments even when you are out of cash and cards. Various stores accept personal checks as payment. Even though checks are becoming less significant, many businesses still accept them. In the course of our research, we found some stores like Walmart, Ralphs, Kmart, Ulta Beauty, etc. that accept checks as payment. What you need to do is to check the store’s policies and procedures before you buy from them.
Now, I’m going to share with you the list of stores and businesses that accept checks.
Personal checks are accepted in various stores, including home bookstores, electronics stores, improvement stores, pharmacies, grocery stores, department stores, sports goods stores, and supermarkets.
- King Soopers
- Winn-Dixie
- Fred Meyer
- Ralphs
- Ace Hardware
- JOANN Fabric and Craft Stores
- Save Mart Supermarkets
- Costco
- Walmart: Walmart accepts checks for online and in-store purchases
- Ulta Beauty
- Books-A-Million
- Barnes & Noble
- Micro Center
- Petco
- Staples
- Fry’s Food Stores
- Giant Eagle
- Hannaford
- Harris Teeter
- Dillard’s
- JCPenney
- Kmart
- Kohl’s
- Macy’s
- Neiman Marcus
- Nordstrom
- ShopRite
- Sam’s Club
- OfficeMax
- Publix
The above stores allow their customers to pay via checks. However, note that this is not a complete list of stores that accept checks; other stores accept checks as a form of payment. Other Stores that Don’t Take Personal Checks
As indicated earlier, not all stores accept personal checks. While some stores accept personal checks, some don’t.
A few of these stores are:
- Five Below
- Gap
- Banana Republic
- Finish Line
- Nike
- 99 Cents Only
- Old Navy
- True Value
- IKEA
- Five Below
- ALDI
- Athleta
- Gap
- Foot Locker
- Plato’s Closet
- Tractor Supply Co.
- Harbor Freight Tools
Top Reason Why Some Stores Don’t Accept Checks?
Even though checks are risky and time-consuming. Many businesses still accept. Some stores still take checks because some customers prefer to pay by checks. Checks and cash payments are more common among the elderly. These stores will continue to accept checks as long as they are still accepted as a payment method, to keep their consumers satisfied.
Why Do Some Stores Don’t Accept Checks as Payment?
Personal checks are no longer accepted by a large number of stores or businesses. Cash payments and electronic transactions are considered safer and more cost-effective by the majority of business owners. Below are the reasons why some businesses don’t accept checks.
- Times Consuming: Personal checks take a longer time to prepare and deposit. Signing them, filling out deposit slips, and sending them to a bank are all things that a business owner must do. Scanning both sides of each check is another option. It can take several days for checks to clear once they arrive at a bank. So, some business owners don’t want to go through his stress.
- Insufficient Fund: Cashiers are unable to see whether a customer’s account has sufficient funds. Because some customers use fraudulent checks to pay for goods and services.
- Budgeting: Businesses/stores find it difficult to keep track of their budgets and plan when they use check payments. It’s difficult to predict when they’ll clear, and bounced checks can cause unexpected money shortages.
How Do Stores Verify Checks?
Electronic systems are the most effective and reliable method of verifying checks. Stores use electronic devices to verify the validity of checks. The verification process can either be done using a scanner or by entering information manually.
The two most important numbers that need to be included on checks are the customer’s account and the bank’s routing number. The routing number is used to identify the bank’s information like the bank’s name, phone number, and address.
What Can Make Stores Reject Checks?
Insufficient funds Stores reject checks when the amount of the products bought is more than the free balance available in customers’ bank accounts.
Invalid ID and Checks: Businesses have to safeguard themselves against check fraud. Without proper proof of customers’ identity, the checks would be turned down.
Conclusion
To avoid check rejection, always spell your name correctly. Before writing the check, check to verify if you have enough money in your bank account. If you write a check when you don’t have enough money in your account, the check will bounce since you don’t have enough money. And remember to check the store’s policies and procedures.
Frequently Asked Questions
- Can I Pay at Walmart with a Personal Check?
Yes, Walmart accepts personal checks, although they have to go through a security examination to determine whether you can use them or not.
- Can I use Personal Checks at Grocery Stores?
Yes, some grocery stores like Food Lion, Fred Meyer, and Fry’s Food Stores accept personal checks.
- Do All Stores Accept Personal Checks?
No, not all stores accept personal checks. Some stores don’t accept checks for some of the reasons mentioned above.
