Home Depot gladly accepts personal and, in most cases, business checks. All checks must be verified with a photo ID at checkout.
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What Kind Of Checks Does Home Depot Take?
Home Depot accepts personal and most business checks. These are checks issued by your bank and connected to your personal or business checking account. The checks must be in your or your business’s name, and you must be able to verify your identity and/or connection to your business via photo ID.
Home Depot does not accept checks that are written to the customer from another issuer. For example, you cannot use the following check types as payment:
- Payroll checks
- Government checks
- Tax returns
- Retirement checks
These checks must first be cashed or deposited into your checking account. Then, you can use your cash or a debit card to make your payment.
How Does Check Payment Work At Home Depot?
Paying with a check at Home Depot is similar to paying with a check anywhere else. You simply have to address your check to The Home Depot, fill in the amount of your purchase, then sign at the bottom. The employee handling your transaction will verify your check by asking to see your photo ID to confirm that the name in the top left corner of your check matches the name on your ID.
The benefits of using a check are that they are an extremely secure way of using your bank checking account to shop. Unlike debit cards, checks do not rely on digital technology to transfer your bank information. They also allow you to pay for large ticket items without needing to carry around cash. Checks can also be written in any amount you need or desire.
The only significant downside of using checks is that some businesses no longer accept this form of payment as it’s beginning to be considered somewhat outdated.
How Do You Pay With Checks At Home Depot?
If you’d like to pay for your Home Depot purchase using a check, follow these steps:
- Visit any register at Home Depot (including self checkout)
- When your purchases have been rung up and you’re ready to pay, select “Cash/Check” as your payment type at self checkout or let the cashier know you’d like to pay using a check
- Using a pen, address your check to “The Home Depot” and fill in the total dollar amount of your purchase before signing the bottom of your check
- Hand your check to the cashier or insert it into the self checkout machine
- An employee will ask to verify your check by looking at your photo ID
- Once your check has been verified, your transaction will be approved and your purchase will be complete
What Is Needed To Pay With A Check At Home Depot?
To pay with a check at Home Depot, you will need to come prepared with the following things:
- A check issued by your bank and displaying your name
- A photo ID such as a driver’s license, passport, or military ID
What Happens If Home Depot Denies A Check?
If Home Depot does not accept your check during your transaction, you will need to pay with another form of payment. However, if Home Depot approves your check at the time of purchase but then your check ends up bouncing later, you will likely be charged an overdraft fee by your bank.
Can You Cash Checks At Home Depot?
While Home Depot gladly accepts checks as a form of payment at checkout, they do not have the capacity to cash checks for customers.
How And Where Can You Cash A Check Instead?
If you need to cash a check, try these places instead:
- Walmart
- QFC Money Services
- 7Eleven
- The bank that issued the check
- Your bank
- Your employer
What Other Stores Aside From Home Depot Take Checks?
Even though checks are becoming less common as the world becomes more digital, the majority of retailers still accept checks as payment.
Stores that do NOT accept checks as payment include:
- ALDI
- Harbor Freight
- IKEA
- True Value
- Tractor Supply
What Other Forms Of Payment Does Home Depot Take?
The payment methods currently accepted at Home Depot are:
- Cash or check
- Debit cards
- Credit cards (Visa, Mastercard, Discover, American Express)
- Home Depot Credit Card
- Home Depot gift cards
- Afterpay
- Sezzle
- Affirm
- Quadpay
- Klarna
- PayPal
- Samsung Pay
FAQs
Does Home Depot take starter checks?
Yes. As long as your check clearly displays your name, you can use a starter check to pay at Home Depot.
Does Home Depot take checks at self checkout?
Yes. An employee will still need to verify your check before your transaction can be approved, but you can pay with a check at self checkout.
Does Home Depot take temporary checks?
Yes. The check will need to be verified with a government-issued photo ID, but technically Home Depot will accept any form of valid personal check.
Conclusion
Home Depot still accepts personal and business checks as valid forms of payment. And it doesn’t look like this is likely to change any time soon. Checks are a highly secure form of payment, carrying fewer security risks than debit and credit cards.
If you plan to pay with a check at Home Depot, make sure you can verify that the check belongs to you by providing a valid photo ID.
