You’re in the check-out line at the grocery store, and it hits you — you have no cash, no debit card, and no credit card on you. (In this article, we helped you answer the question – What Online Stores Accept Checks for Payment).
And there are only four items left at the register, all of which are over your budget anyway, so you can’t put them back! If only you could pay with your checkbook — oh wait, you can.
These days, there are plenty of online stores that accept checks as payment. Here are some of the best places to spend your checks online.
What Online Stores Accept Checks for Payment
Best Buy allows customers to pay by check online but you need to call customer service to set it up. The customer service number is 1-888-BEST BUY (1-888-237-8289).
The company says checks are accepted in-store as well, but not at all locations. To find out if your local Best Buy accepts checks, call ahead and ask.
If a Best Buy near you doesn’t accept checks, let us know in our comments section! You can also pay with a personal check or cash at a Best Buy kiosk or mobile location.
Credit and debit cards are still king when it comes to paying online, but that doesn’t mean checks don’t have a place.
For example, plenty of shoppers prefer to use checks to pay some bills because they like getting their statements every month instead of having an online presence on every vendor.
Amazon accepts personal, business, and cashier’s checks as long as your name is on them. Or you can buy gift cards by check at no cost in increments of $50 to $1,000.
Another perk? You may order any item available on Amazon and receive free shipping via UPS if you make a purchase using a check or cashier’s check.
Another advantage of paying with a check is that you can buy pretty much anything on Amazon and get free shipping.
The first thing that comes to mind when you think of shopping online is Amazon. If you don’t have an Amazon Prime membership, it might not be feasible to shop there.
I visited Home Depot’s site, and as long as you have a checkbook on hand, they will accept checks to purchase items online.
Even better, if your total exceeds $600, shipping is free! I personally love how easy and affordable it can be to shop at Home Depot.
Don’t forget they also sell tools and appliances so finding replacement parts shouldn’t be difficult.
Some of my favorite things to shop at Home Depot for are appliances, hardware, and pet supplies. I’ve found great deals on all of these items.
You can pay by check through PayPal for any eBay transaction. Once you’ve paid, simply print out a copy of your order summary and mail it to eBay with your payment in order to complete your purchase.
PayPal will automatically process your check within five business days, according to its website. According to Forbes, most checks are deposited three business days or less after they have been received.
eBay says it holds onto payments longer than other sites because of its high volume of transactions.
Paypal accepts personal checks. Use a regular-size check (blank on both sides) with your name and address at the top center, and your email address and phone number in three lines below that.
Make sure you use black or blue ink. Sign your name and write for goods/services rendered in two lines below that.
Do not put any identifying information on the back of the check, as it can be easily lost or stolen from returned mail.
Target is one of America’s leading retailers and a favorite stop for many consumers. While there are plenty of options to pay with cash or credit card, consumers can also pay their bills with a check—through PayPal.
Consumers simply print out their bill, fill it out, and mail it in along with their payment. Payments may take longer than if they were made through another method, but you won’t have to worry about sifting through every receipt at checkout.
To mail your payment in, visit Pay Your Bill and fill out your payment information. Print off your invoice and attach it to your check or money order.
Mail everything to Target Corporation, P.O. Box 655663, Minneapolis, MN 55466-5663. You’ll receive a confirmation email when you make payment so you can ensure that it was received properly.
While Wal-Mart doesn’t directly accept checks online, there are several ways to pay with a check through Walmart.
If you have a money market account, you can use Bill Pay to send checks by e-mail or text message. You can also send checks with MoneyGram or Western Union services.
And if you’re picking up your merchandise in-store, it’s possible to use a check as payment on select items and in some states. Just remember that you will need to clear your check with your bank before paying with it.
Can I buy stuff online with a check?
Well, yes. But it’s not as popular as it used to be, because checks can be slow and less secure than credit cards.
However, there are still some online stores that accept checks from their customers (just make sure you’re checking with a trustworthy source!).
This includes third-party vendors on sites like eBay or Etsy; if you don’t have an established relationship with a seller or you haven’t made many purchases from them in the past, your safest bet is to stick with other payment methods.
For example, PayPal offers buyer protection for transactions made through its site—which means they might refund your money if something goes wrong.
What can I buy with an electronic check?
Electronic checks (e-checks) are an increasingly popular way to pay online. Not only do they offer buyers a quick and easy means of payment, but many sellers also offer special discounts or deals when you check out with an e-check instead of a credit card.
More often than not, all you need to use an e-check is your bank account number and routing number; many sites will guide you through the process in just a few simple steps.
Whether you’re using your account at one of your own banks or opening a new account with an independent service provider, here are some top stores that accept e-checks as payment.
Can I buy a gift card with a check?
Many online merchants are beginning to accept checks as a form of payment. If you’re interested in playing with a check, there are a few things you should know about it.
First, if you go to a brick-and-mortar store and try to pay with a check, they can reject your offer due to the high risk of fraud and chargebacks (when someone claims their card was stolen).
Fortunately, online stores don’t have to worry about that because they aren’t holding or physically accepting your money.
Still, some online businesses do reject check payments because they want an extra layer of security or need specific types of information from customers.
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