Does Home Depot Take Checks? (All You Need To Know)

Home Depot is a leading home improvement store based throughout the United States and Canada. It is best known for offering high-quality hardware, tools, decorating supplies, plumbing equipment, and gardening gear.

Many customers prefer to prepare payment ahead of their visit, so this raises the question: Does Home Depot take checks? Here is what you need to know!

Does Home Depot Take Checks?

Home Depot takes personal checks and business checks. Customers will need to provide a form of government-issued photo ID to authorize the check, and Home Depot will verify all checks using TeleCheck to ensure the check will not bounce.

If you’d like to find out which checks are not accepted at Home Depot and what to do if your check is denied, read on!

Which Checks Does Home Depot Take?

Home Depot typically accepts personal checks and business checks as valid forms of payment.

Unfortunately, Home Depot does not accept the following:

  • Payroll checks
  • Government checks
  • Tax checks
  • 401(k) retirement checks
  • Two-party personal checks
  • Insurance settlement checks

How Do You Pay With Checks At Home Depot?

Customers can pay with a personal or business check at any store assistant’s checkout lane.

If you are using a personal check, you will need to fill out the relevant fields.

Start by writing the correct date in the right-hand corner and who the check is for, in this case, Home Depot.

Next, write the cost of the transaction in numbers and then in words. Finally, sign the check.

For business checks, you’ll follow a similar writing process. However, in many cases, the signature must match the one used to sign the account signature card.

Additionally, identify whether your business check requires two signatures ahead of your purchase.

Once written, the cashier may ask for a government-issued photo ID such as a driver’s license or passport.

The name and phone number on the check must relate to you. The payment is complete if your check is verified, and you may take your items.

How Does Home Depot Verify Checks?

Home Depot uses TeleCheck, a third-party electronic system that verifies checks.

TeleCheck will review your information against its database to calculate the level of risk the provided check has of bouncing.

The verification also determines the validity of the check and whether it is safe to take.

What Happens If Home Depot Denies A Check?

What Happens If Home Depot Denies A Check?

Home Depot will restrict any customer that previously paid with a check that bounced from using a check until the amount is paid.

Additionally, the bounced checks often incur a fee that varies depending on the value.

If your check was denied following verification, you may contact TeleCheck and find out the cause. If the check is rejected, customers must pay for goods with an alternative method.

Can You Cash Checks At Home Depot?

Although you can pay with business and personal checks at Home Depot, you cannot cash them.

Instead, you will need to visit an alternative banking location or store to cash a check.

To learn more, you can see our related guides on if Walmart cashes two-party checks, payroll checks, and handwritten checks.

What Forms Of Payment Does Home Depot Take?

If you are looking for a faster payment method, Home Depot also accepts American Express, Discover, MasterCard, and Visa credit or debit cards in-store and online.

Customers can also use The Home Depot Consumer credit Card. Alternatively, you may pay with cash.

Other forms of payment include:

Do Other Home Improvement Stores Take Checks?

Similar to Home Depot, Lowe’s and Menards also accept personal and business checks for in-store purchases.

Additionally, selected Ace Hardware stores will take personal checks.

However, you may wish to call before your visit to ensure each store is independently managed.

To learn more, you might also be interested in reading up on whether or not Aldi takes checks, if Walmart takes starter checks, and if Kohl’s accept checks.


Home Depot only takes personal and business checks. To approve the check, customers must provide a photo ID such as a passport or driver’s license and undergo a verification process via TeleCheck.

If your check is denied, you will need to pay with an alternative method such as cash, a credit card, or a debit card.

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Marques Thomas

Marques Thomas graduated with a MBA in 2011. Since then, Marques has worked in the retail and consumer service industry as a manager, advisor, and marketer. Marques is also the head writer and founder of

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