While you can always cash your checks at the bank in a traditional fashion, you’ll not always find your bank nearby. This is where you can consider cashing checks at retail and grocery stores. Being a leading retail chain, you may wonder, does Target cash checks?
While check cashing has many benefits, not all stores offer this service. This article explains everything about whether you can cash a check at Target, what types of checks they accept, and much more.
Does Target Cash Checks?
Unfortunately, Target stores don’t cash any type of checks for its customers. You won’t be able to cash out money. However, you can pay using your personal check while shopping at your local Target store.
You need to have an ID and pass their system verification to pay using a check. Additionally, Target accepts only a certain type of checks, so be sure to ask an associate in advance.
Does Target Cash Payroll Checks?
Unfortunately, Target stores do not provide the facility to cash payroll or personal checks. Instead, customers can pay for their purchases using a personal check at any Target store.
Why Doesn’t Target Cash Checks?
There are multiple reasons why Target stores do not cash checks for customers. A major reason being we are transitioning away from paper money and once in a blue moon, we carry checks in our wallets. People receive paychecks through direct deposit and often get money from friends on Paypal or Venmo rather than a check.
Checks are getting rare and it’s better to go to a bank rather than Target if you want to cash out a check. Thus Target doesn’t cash checks for customers, and instead, it directly accepts personal checks as a form of payment.
Alternatives to Target Check Cashing
Retail and grocery stores are slowly removing the check cashing service due to low demand and potential fraud. It’s way easier to accept cash or card. Since Target doesn’t cash checks, here are other available options.
- Look for nearby banks or ATMs to deposit the check in your account (if you have one) and withdraw the cash you need.
- Request the issuing bank to cash your check. You’ll have to present a valid government ID.
- Since Kroger, Safeway, and Walmart offer this service and sell similar products, they are better options for cashing your check and buying whichever groceries you need.
Does Target Take Checks As Payment?
With the absence of Target check cashing, they do allow customers to use personal checks as a payment method. But there is no way to use checks for online orders. To use a check at the store, you’ll have to show a photo ID and the check should pass Certegy (Target’s check verification system).
Once the cashier verifies and processes your check, your payment will be completed.
You’ll need some sort of photo identification when paying via check at the Target store. This is to avoid any fraud and verify the ownership of your account. You can show a state ID, federal ID, military ID, or your driver’s license to the cashier.
What Types of Checks Does Target Accept?
Since you can only use a check to pay for your items at Target stores, it is important to know what kind of checks they accept and what conditions apply.
Target customers can use a personal and rebate check to pay for their purchases at all store locations. Although, you cannot use a rebate check to purchase
- Target gift cards
- Any specialty gift card
- Third-party gift cards from American Express, Discover, Visa, or Mastercard
Can I Use Business Checks At Target?
No. Business checks are not allowed as a form of payment at any Target store location. You also won’t be able to use foreign checks, traveler’s checks or cashier’s checks at the checkout. Target only accepts personal and rebate checks.
What If Target Declines My Check?
Target uses a third-party payment processing service called Certegy. When you use a check at Target, they use this system to verify the authenticity. Certegy analyzes your transaction information for any risk and approves or refuses the check.
If your check gets refused by their electronic system, simply contact Certegy’s support team at (800) 237-3826 to know and rectify the exact issue. Moreover, find out the reason for your check refusal on Certegy’s Declined Check Look Up page.
Frequently Asked Questions
1. Does Target accept personal checks?
Yes, customers can pay for their purchases via a personal check.
2. Can I pay using a check at Target?
Yes, you can use a personal or rebate check to pay for your purchase form Target.
3. Does Target cash money orders?
Unfortunately, Target does not sell or cash money orders at any of their store locations.
4. Is there purchase requirements for check payments at Target?
There is no minimum purchase requierment or maximum limit when paying by a check at Target.
5. Does Target cash personal checks?
No, they do not cash any type of checks including personal checks. But you can use a personal check as a form of payment.
So does Target cash checks of their customers? No, you won’t be able to cash payroll, personal, or any other kind of checks at Target. But you can actually pay using your personal check for your purchases at the store. There’s no minimum amount or limit when you use your check as a payment method.