Where Can I Get Cash Back On A Personal Check?- Know More

Every day, the world is growing and adapting to digital payments. However, sometimes you may receive a paper personal check and need to make a purchase. Then, you may want to collect some cash at hand. Unfortunately, places that give cash back from personal checks are on the low side. Let us know ‘Where Can I Get Cash Back On A Personal Check?’.

Where Can I Get Cash Back On A Personal Check?

These locations still exist even though they are in minority. There are a variety of convenience stores, grocery stores, and gas stations that accept this payment method. Read on and learn about some of these stores that accept personal checks.

Places That Offer Cash Back On Personal Checks

In this modern day, a few stores accept personal checks and still give cash back on them. An important thing to note is that they have policies governing their transactions and can have a limit on their services. Below we have compiled a table of these stores and their limits.

Name Of The StoreCashback limit
Giant Eagle$30
Food Lion$50

Only a very small number of gas stations provide cash back on personal checks. A good example is Shell; though, they only render this service in a few of the gas station locations across the US.

For stores that are not on the list, call ahead or visit their website to learn about their cash-back policies for personal checks.

Ways To Get Cash Back On A Personal Check

If a store accepts personal checks at all, you will have to talk directly to the cashier to get the service. Once everything is confirmed you should write the check plus the amount that is over your purchase. Say you made a purchase of $80 and you’d like $20 cash back, the total amount on your check will be $100.

Requirements For Using Personal Checks

As a result of the high cases of check fraud, some conditions have been put in place when dealing with personal checks. Below are those necessary things for cashback on personal checks.

  • Government-issued ID: This is essential because no store will accept your check without a proper ID verification. The documents that are accepted are:
  • Military ID
  • Passport (Foreign passports can be accepted as well).
  • Driver’s license 
  • The check has to have been issued in the last 180 days. If you’re the one issuing the check, you can do so when you get to the store.
  • The name on your check and ID has to be the same. The only exceptions are for name abbreviations e.g the name on the ID is Nathaniel and on the check, Nathan.

Places That Do Not Accept Personal Checks

You may be tempted to go to the nearest store to get cash back on your check. Though, we do not recommend this because a good number of stores do not accept personal check payments, let alone render services on their cash back. Here is a list of a few of these stores to save you some stress:

  • Hobby Lobby
  • H & M
  • Forever 21
  • Pottery Barn
  • Restoration Hardware
  • Banana Republic
  • Tractor Supply Co.
  • Harbor Freight tools
  • 99 cents only
  • Starbucks (note that getting cash back on personal checks is functional when they are located in bigger stores).

Note that the above are not the only stores that turn down cashback on personal checks.


As we go deeper into the digital age, the use of paper personal checks is slowly declining. Luckily, a good number of stores still accept payments by personal checks and will give you some amount of cashback. The main problem is just finding them, and we hope to have solved that problem with this article.

Frequently Asked Questions
  1. Are there fees for cashback on personal checks?

Some stores will provide this service for free but with minimum purchase requirements – that is you have to purchase a certain sum to be eligible for their cash back services. This cashback service may also be available at a flat rate depending on the store.

  1. Why did my personal check decline? 

The systems that review a personal check may reject your payment for a reason other than mismatched names. For instance, the system may not identify your bank details.

  1. Can I get more than one cash back on my personal check?

The answer is yes; you should be able to get a good number of withdrawals and cash back as you want. Although, some stores may have a limit to these transactions per a specific time range.

  1. Are Personal Checks for cash backs taxable?

Most sources of income including personal checks are taxable. Although this is majorly determined by the purpose of the personal check. Consult a tax expert on this before you go for a cashback transaction on personal checks.

Where Can I Get Cash Back On A Personal Check?- Know More

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