8 Stores that Accept Checks Online [2023 Best Rated]

By Jim Marous 14 Min Read

While credit and debit cards are the most commonly used forms of payment online, there are still those who prefer to pay with checks. Luckily, there are online stores that accept checks, providing customers with the option to use this traditional payment method. Some may require additional verification before processing the payment.

Stores that accept checks online

Stores that accept checks online

Here are some recommended stores that accept checks online (in no particular order):

1. Amazon.com

Customers who shop on Amazon can buy any of its millions of products using either a personal or company check. Also, Amazon accepts check payments via postal mail and mobile app deposits.

That said, customers who intend to pay via checks can do so by following the steps below:

Amazon will send the package as soon as the check has been cleared. It also takes about five to seven business days to clear a check payment.

It’s also worth noting that Amazon customers who don’t have a credit card or PayPal account can still make payments by check. In addition, those who prefer not to give their credit card details to websites like Amazon can benefit from this.

2. Etsy

Etsy has grown to become a large and diverse community, with millions of users and sellers from around the world. In addition to accepting credit and debit cards, Etsy also offers the option to pay with a check.

This can be a convenient payment method for customers who prefer to pay with a paper check or who may not have access to a credit or debit card.

To pay with a check on Etsy, follow these steps:

  • Find the item you want to purchase and go to the listing page.
  • Click on the “Add to Cart” button.
  • Under the “Add to Cart” button, you will see the option to “Pay with check.” Click on this button.
  • Enter your mailing address and email address.
  • Review the order details and click “Submit order”.
  • Mail your check to the address provided by Etsy within 10 days.

Your purchase will not be processed until Etsy receives your check. If your check is not received within 10 days, your order may be canceled. Once your check is received and processed, Etsy will send you a confirmation email.

If you have any questions or concerns about paying with a check on Etsy, you can contact their customer support team for assistance. They are available to help you with any questions or issues you may have and can guide how to complete your purchase using a check.

3. Walmart

Walmart is another reliable option for those looking to pay with checks. They offer the convenience of accepting checks both in-store and online, making it a one-stop shop for all your needs.

Walmart is known for its wide variety of products, ranging from groceries to electronics, making it a popular destination for shoppers.

When shopping at Walmart, you can choose to pay with a personal check or an electronic check. If you choose to pay with a personal check, you will need to provide a valid ID, such as a driver’s license or state-issued ID, as well as a phone number and address. But if you prefer to pay with an electronic check, you will need to provide your bank’s routing number and your account number.

Your check must be in USD currency and drawn on a US Bank.

Update to this article:

Walmart does not accept checks online or in store. They, however, accept PayPal and Affirm as online payment methods, however, you will only see these payment methods when you checkout. You can’t add them to your Wallet.

4. Best Buy

Several online stores accept checks online, and Best Buy is one of them. The options available to make payment via checks are as follows; a personal check, cashier’s check, or money order. During the checkout process, you will be prompted to enter the desired amount. Also, you will need to have your check information and routing number ready.

For those who intend to use a personal check, it is mandatory to provide your driver’s license number and social security number. This is to ensure the security of your transaction and protect against fraud. So, make sure to double-check your information before submitting your order.

5. eBay.com

eBay offers a variety of payment options to its customers. Although electronic payment methods such as credit cards and PayPal are more commonly used on eBay, some sellers do accept checks as a form of payment. Checks are only allowed when you buy vehicles, capital and business equipment, real estate, and items you pick up in person — eBay.

If you choose to pay for an item on eBay with a check, understand the process and any potential risks involved.

To pay for an item on eBay with a check, you will first need to ensure that the seller accepts checks as a payment method. You can do this by checking the item listing or by contacting the seller directly. If the seller does accept checks, you will need to provide them with your check information, including your name, address, phone number, email address, and bank routing number. You will also need to specify the amount of the check and sign it.

Once you have provided the necessary information, the seller will typically wait for your check to clear before shipping your item. This process can take several days or even weeks, depending on your bank and the seller’s bank. It’s important to keep in mind that paying by check can be riskier than electronic payment methods, as there is a risk that the check could be lost or stolen in transit.

Make sure to only send a check to a reputable seller with a good track record, and consider using a traceable shipping method to send your payment. You should also keep a record of the transaction, including a copy of the check and any correspondence with the seller.

6. Target.com

Target, a popular retail store, offers its customers the option to pay with checks. However, it’s important to note that Target does not process cash backs for customers who choose to pay with checks.

Let’s say you plan to pay with a check at Target, it’s recommended that you carefully review their terms and conditions beforehand to ensure that you fully understand their policies. This will help you avoid any misunderstandings or unexpected issues when making your purchase.

Update to this article:

Target.com or Target website does not accept checks online. However, Target stores accept Personal checks and Rebate checks.

7. Apple Store

People who intend to buy something from the Apple Store also have the option of making payment via a check. The necessary steps on how to pay on the Apple store via a check are as follows;

  • Select “Pay with Check” as your payment option during the checkout process.
  • After selecting the option, you will be asked to provide your check information.
  • Once you have entered the necessary details, you will need to agree to the terms and conditions before confirming your purchase.
  • Your check will then be processed, and you will receive confirmation of your order.

8. Bhphotovideo.com

Bhphotovideo.com, commonly referred to as B&H, is a well-known online store that specializes in providing a vast selection of photography, music, and creative professional equipment. B&H also offers various payment options to ensure a convenient and secure shopping experience for its customers.

These options include bank account payment, eCheck, and PayPal, providing flexibility for customers to choose the payment method that works best for them.

Suppose you’re looking to pay for your order on Bhphotovideo.com using a check. Follow these steps:

  • First, add the items you wish to purchase to your cart on the Bhphotovideo.com website.
  • When you’re ready to check out, proceed to the payment page and select the “Pay by Check” option.
  • Next, enter the necessary check details, such as the routing number, account number, and check number.
  • You will also need to provide some personal information, including your name, address, and phone number.
  • Once you have entered all the required information, review your order to ensure it’s accurate, then submit your payment.
  • After submitting your payment, you will receive a confirmation email with the details of your purchase and instructions on where to mail your check.
  • Mail your check to the address provided in the email, and be sure to include your order number on the check.
  • Once your check has been received and processed, your order will be shipped to you.

Paying by check can take longer than paying by other methods, as the payment must first be received and processed before your order can be shipped.

Additionally, be sure to make your payment by the deadline specified to avoid any delays or cancellations of your order.

Stores that do not accept checks online

Some online shopping sites do not offer check payment options but instead allow customers to pay using debit or credit cards. Without further ado, here are some of the online stores that do not accept checks online:

  • Costco.com
  • Kohls.com
  • AliExpress.com
  • FootLocker.com
  • Sears
  • TigerDirect.com
  • Banana republic
  • Kmart
  • Home Depot
  • Old Navy
  • Groupon
  • Williams-Sonoma.com
  • Staples.com
  • BigLots.com
  • Athleta

Tips to safely buy with checks online

While checks are not a popular option for online transactions, if you decide to use a check to pay for purchases on an online store, there are several tips to keep in mind:

1. Use a check only if it is the only payment option available

Most online stores accept credit cards, debit cards, and electronic payments like PayPal. Use a check only if it is the only option available and you trust the online store.

2. Verify the legitimacy of the online store

Before you decide to use a check to pay for purchases, ensure that the store is legitimate. Check for reviews and ratings, and make sure the store has a physical address and phone number.

3. Use a secure internet connection

Make sure you use a secure internet connection when making payments with a check online. Avoid using public Wi-Fi or unsecured networks as they can be easily hacked.

4. Safeguard your personal information

Only provide the information required to complete the transaction, such as your name, address, and account number. Do not disclose any unnecessary personal information.

5. Regularly monitor your bank account

Keep track of your bank account and report any unauthorized transactions immediately. You should constantly check your account and report any suspicious activity to your bank.

6. Consider using a check writing service

Some online stores may offer a check writing service, where they will print and mail a check on your behalf. This can be a more secure option as the online store will have to process the check themselves.

Conclusion on stores that accept checks online

Many stores accept checks online, which are a reliable option for making purchases on the internet. However, before using this payment method, carefully review the store’s policies for any associated fees. By taking these precautions, you can confidently make purchases online using checks.

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Jim Marous is a Top 5 Retail Banking Influencer, Global Speaker, Podcast Host and Co-Publisher at The Financial Brand. I am a co-author here at Finance and Pay, writing on a lot of topics regarding payments, banking software, cards, and investing.