Walking around with cash is extremely old-fashioned. Years ago, the only solution to store money was only through banks. Technology has made it possible to carry money on mobile. Banks now have software where transactions occur anywhere and anytime; all you will need is to link your personal mobile number to your bank account. Even better, banks have rolled out the process of writing personal checks, which is more convenient for people dealing with many people and lots of activities that require money.
A personal check is a paper slip from a bank or financial institution that is signed by an account holder. For one to get a personal check, it is a requirement to have an account from the source of the money. You must have a personal checking account which will be the source of money to be withdrawn through personal checks. The slip contains the amount of money to be withdrawn, the checking account number, the personal checking account, and the payee’s name.
Where to Order a Personal Check?
The places where you can order it are Bank of America (120 checks for $22), Wells Fargo (120 checks for $18), Chase Bank (100 checks for $18.95), PNC Bank (120 checks for $19.99), and Regions Bank (120 checks for $20). The cheapest option to get it is by ordering from Direct-to-consumer check printers because they offer better deals. Five companies in this category are ASAP checks (200 checks for $10), Checks in the mail (125 for $17.99), CheckAdvantage (150 for $7.50). Check Unlimited (125 for $18.99) and Checkworks (125 for $9.99).
27 stores are as follows
| Department | Wholesale | Grocery | Home improvement | Discount stores | Pharmacies |
| Kohl’s | Target | Giant Eagle | Lowe’s | Dollar tree | CVS Health |
| JCPenney | Walmart | Jewel-Osco | Ace Hardware | Big lots | Walgreens |
| T.J.Maxx | Costco | Meijer | Menards | Family dollar | Rite Aids |
| Burlington | Publix | The Home Depot | Dollar General | ||
| Kmart | Safeway | Valu Home Centers | |||
| Macy’s | Wegmans |
Personal Checks policies
The stores mentioned are nationally available and have different check policies. A number of stores require you to produce an ID card or shopping card to verify whether the check you are using is yours. It is a procedure done to promote safety and provide financial safety. Paper checks are becoming outdated, and therefore some stores require electronic checks. That does not need to create anxiety or worries because there is a way to access e-checks.
Advantages of Checks over cash
Personal checks are easier to use and convenient because they make budgeting easier and limit impulse shopping. They are advantageous in terms of traceability. In case a check is stolen and used or not, it can be easily traced, unlike solid cash. Checks are easy and safe to mail. Unlike carrying a lot of money with you, It offer security and offload as it holds all the money in it. Another advantage of using it is that they are easily customizable and are a professional form of payment. Finally, They are safe because they are not deposited immediately, so in case of any error or changes, the check can be canceled.
Disadvantages of Checks
As many as the advantages of checks, there is also a downside. Some businesses do not accept personal checks. Secondly, They are sold in specific quantities, and banks can charge when the slips are depleted unless you are a premium member. Banks also require you to maintain a certain amount of balance in order to continue using personal checks. It is advantageous that the check cannot be deposited quickly, but this becomes a disadvantage if the money is required urgently as the processing is slow.
It is easier and safer to use personal checks as compared to cash. An important factor to consider when going for personal checks is whether the retail stores around you accept them and also whether they are convenient. Even wiser is checking the policies of the stores to avoid any new problems.
FAQs
- Which five stores do not accept personal checks?
As inconvenient as it may sound, there are some stores that do not accept personal checks for various reasons. Some of them are Old Navy, Banana Republic, Gap, IKEA, and 99 cents only.
- What is Target’s check policy?
Target accepts personal checks for physical shopping at its stores but not for online purchases. It acceptsit from U.S bank accounts only. It does not accept foreign, cashier and traveler’s checks. For it to be accepted, you have to produce an ID.
- Is it safe to use checks as payment?
Yes. they are easy to use and do not require that much prowess. In any case of a refund, the check can be easily canceled as it takes a while to process it. Additionally, the check can be sent as mail from the comfort of your home. If it gets en route, it can be quickly traced.
