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Target Will No Longer Be Taking Personal Checks in Their Stores Soon: Inside the Policy Change

Learn how you may be impacted by the store's money and payment adjustment

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As one of the top 10 largest retail stores in the U.S., Target continues to be a popular option for shoppers looking for anything from clothing and electronics to groceries and seasonal products. But later this month, shoppers who like to pull out their checkbook will have to turn to alternate forms of payment when purchasing their items, as the retail giant announced a change in its payment policies. Find out when and why Target will no longer be accepting personal checks from its customers.  

When will Target stop accepting personal checks?

A Target store
Gary Hershorn / Contributor/Getty

Shoppers at any of Target’s nearly 2,000 stores can continue to reach for their checkbook through the annual Target Circle Week Sale. The sales event, which takes place this year from July 7 to July 13, offers sales in-store, online and through the Target app for anyone enrolled in its free and paid Circle memberships.

Anyone shopping during that time can continue to pay via their preferred method. The new check-free policy will begin shortly after the sale on Monday, July 15, according to multiple news outlets.

Target reportedly wanted to give their guests enough of a heads up to ensure they are prepared when they need to check out after the policy has taken effect. Luckily, there will still be plenty of other ways you can pay for your items.

Customers will still be able to pay for their goods via cash, credit and debit cards. The store plans to also continue accepting Target Circle cards (good for use with the store only), SNAP/EBT, digital wallets and pay later services as forms of payment.

Why Target won’t be accepting personal checks

A pen writing on a check
fluxfoto/Getty

One of the main factors behind this decision was due to how infrequently most people choose to use their checkbooks when they’re out shopping. When announcing the news, Target reps shared that “extremely low volumes” of the payment form helped prompt this decision.

This likely comes as no surprise to many, as the popularity of personal checks has waned over the years. In fact, a 2024 survey from Abrigo (which focuses on financial crime prevention) found that only 61% of Americans wrote a check  in the last year. The practice has actually decreased among Gen Xers, who self-reported writing less checks than Millennials and Gen Z’ers.

Although check writing may not affect many Target customers, the chain made another checkout change this year that could affect the shopping experience. This particularly impacts anyone who prefers to bag up their own goods.

In March, the company decided to switch the self-checkout lanes at most of its stores to an “express” format. This means that customers who want to use these self-serve options are limited to 10 items or less. Anyone who needs to checkout with more items (or those who prefer a more traditional experience) is not out of luck. Target shared it has plans to open more staffed checkout lanes to ring up any purchases.

The retail stores that take checks

Target isn’t the first major retailer to move away from accepting personal checks from its customers. It joins grocery chains Aldi’s and Whole Foods, who previously made the decision. Whole Foods specifically said they prefer to stay clear of checks to help keep things speedy and efficient for shoppers during the checkout process.

If you prefer to write up checks for your purchases, there are still other retail stores that will happily accept them. Macy’s and Kohl’s are two that continue to take the form of payment. Walmart, which has more than 4,000 stores in the U.S. and is generally considered to be Target’s biggest competitor, also takes checks.

But if you’re planning to do a little shopping at Target after July 15, you may as well leave your checkbook at home!


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