Does TJ Maxx Take Checks? (All You Need to Know)

When you’re out shopping, it’s always convenient to be able to pay in a few different ways. Especially for unexpected finds and bargains, you may need to use a check to pay instead of your credit card.

Well, TJ Maxx stores are full of unique items, and each visit turns up surprising new bargains that you have to have. So, you may have wondered if TJ Maxx takes checks. If so, keep reading!

Does TJ Maxx Take Checks In 2024?

TJ Maxx does take checks at store locations in 2024. The bank account must have an address in the US or Puerto Rico. Checks must be verified digitally by a third party before being accepted. Other payment methods accepted by TJ Maxx include credit and debit cards, Apple Pay, gift cards, and PayPal for online purchases. 

For more information on using personal checks at TJ Maxx, and how the check verification process works, carry on reading for more interesting facts and tips!

Does TJ Maxx Take Checks in Stores?

TJ Maxx accepts personal checks for payments in stores, and the address for the account must be in the continental US or Puerto Rico. 

Checks must be verified digitally by a third party service before they can be accepted, which is very quick and takes just a few seconds.

Does TJ Maxx Verify Checks?

TJ Maxx uses the check verification service Certegy Check Services to verify and guarantee checks.

The information on your check – your name, the bank’s name, routing number and your account number – is sent to Certegy, along with your driver’s license number to verify your account.

How Do Stores Verify Checks?

How Do Stores Verify Checks? TJ Maxx

Check verification services like Certegy are used by retailers, including TJ Maxx, to verify and guarantee payment on personal checks.

This service uses the information on your check and your driving license to verify that your account exists and that it has the funds to cover your purchase.

However, Certegy may also search a database to see if a customer has a record of writing bad checks and may decline a check for that reason. Check verification is not an error proof process and sometimes checks are declined for no good reason.

If a check is declined, the best option is to use another payment method for the purchase and to take up the matter with the third party verification company later.

What Other Payment Methods Does TJ Maxx Accept?

TJ Maxx accepts a number of different payment methods in its stores and online, including credit and debit cards, gift cards, and digital payments.

  • Credit and debit cards: TJX Rewards Platinum MasterCard, TJX Rewards Credit Card, VISA, MasterCard, American Express, Discover
  • Gift cards: T.J.Maxx, Marshalls, HomeGoods,VISA, MasterCard, American Express, Discover
  • Checks
  • Apple Pay
  • PayPal for online purchases

What Other Stores Like TJ Maxx Accept Checks?

Many other stores like TJ Maxx accept personal checks as payment, including the following:

  • Burlington Coat Factory
  • Target

Some stores like Nordstrom Rack and Kohl’s don’t accept checks, while stores such as Ross Labels for Less accept checks as a deposit to hold merchandise until the check clears.

If you want to know more, you can also see our posts on whether or not TJ Maxx sells gift cards, if TJ Maxx prices match, and if TJ Maxx has layaway.


TJ Maxx does accept checks in its stores with verification, and the verification is carried out by a third party. Other payment methods accepted by TJ Maxx include credit and debit cards, gift cards, Apple Pay and PayPal for online purchases.

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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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