Does Lowe’s Take Checks? (All You Need To Know)

As a major home improvement retailer, Lowe’s offers a variety of payment methods in-store and online to make shopping easier for its customers.

So if you’re looking to use a check to pay for your purchases at Lowe’s, you might be wondering – does Lowe’s take checks? Here is everything I have found through my research!

Does Lowe’s Take Checks?

Lowe’s accepts both business and personal checks as a form of payment in its stores. Note that customers must provide two forms of government-issued photo IDs for verification at checkout. Additionally, Lowe’s does not accept checks for payments on, even if a customer opts for store pickup.

To find out more about what types of checks Lowe’s accepts, whether it accepts payroll checks as a form of payment, and much more, keep on reading!

What Type Of Checks Does Lowe’s Accept?

Lowe’s accepts both personal and business checks at all of its stores across the US. 

To pay using a check of any kind, you will need to show two forms of government-issued photo ID, such as a driver’s license.

Keep in mind that for the checks to be accepted by Lowe’s, the name on the photo ID must match the name on the check being used for payment.

Does Lowe’s Accept Payroll Checks As A Form Of Payment? 

Payroll checks fall under the category of business checks, and so Lowe’s will accept them as a valid form of payment in-store.

What Other Forms Of Payment Does Lowe’s Accept? 

Along with checks, Lowe’s also accepts a few other forms of payment, including:

  • Cash
  • Debit cards, including Mastercard, Visa, American Express, and Discover
  • Credit cards from most major issuers
  • Personal and business checks,
  • PayPal, but only for online purchases using PayPal Checkout
  • Lowe’s Gift Cards
  • Lowe’s Credit Cards

According to a tweet made by Lowe’s, it currently does not accept any form of NFC payment, including Apple Pay and Google Pay.

However, note that a small number of Lowe’s stores do accept Samsung Pay.

Can You Pay For An Online Order With A Check At Lowe’s?

Can You Pay For An Online Order With A Check At Lowe’s?

You can not pay for an online order at with any kind of check, even if you choose store pickup.

Alternatively, Lowe’s accepts all other standard forms of payment for online orders, including debit/credit cards from Visa/MasterCard/Discover/AmEx, PayPal, and other methods.

How Can You Pay By Check At Lowe’s?

To pay for your purchases at Lowe’s using a check, you should bring the check with two forms of ID to the cashier at any Lowe’s store.

The cashier will then verify the name on the check with the name on the IDs and process your payment.

How Does Lowe’s Verify Checks? 

Lowe’s uses a third-party service called Certegy to verify all checks used as a form of payment in its stores.

If your check is declined at Lowe’s, you are advised to contact Certegy directly to raise an issue since Lowe’s does not receive any information about why checks are declined. 

To know more, you can also see our posts on whether or not Lowe’s takes Apple Pay, if Lowe’s accepts Afterpay, and if Lowe’s has a senior discount.

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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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