Does Lowe’s Take Checks? What To Know

By Hayden Ortiz

Last Updated:

does lowes take checks

Lowe’s is a popular retailer that provides home improvement products and services to customers across the United States.

One of the most common questions asked by quite several Lowe’s customers is, “Does Lowe’s take checks?”

Well, the answer is yes, Lowe’s does accept checks as a form of payment for goods and services, but only when shopping in person and not online.

In this article, we will be taking an in-depth look at Lowe’s policy on check payments including the types of checks accepted and the requirements to pay with a check at their stores.

Can You Pay With Checks At Lowe’s?

Lowe’s is one of the few stores that still accept checks as a payment method, so yes, you most definitely can pay using a check at Lowe’s.

To pay for your purchases at Lowe’s using a check, you’re required to present the check with two forms of government-issued photo ID like a driver’s license or international passport to the cashier at the Lowe’s store.

The cashier will then verify the name on the check with the name on the IDs and process your payment. Once the verification process is complete, the check will be accepted and your payment will be processed.

What Types Of Checks Are Accepted At Lowe’s?

Lowe’s accepts most checks as a means of payment in-store. Checks accepted at Lowe’s include personal checks, business checks, government checks, and payroll checks.

When writing a check at Lowe’s, make sure to properly fill out all required fields on the check. This includes the date, the name of the payee, the amount in numbers and words, and the signature.

It’s important to note that Lowe’s does not cash personal checks. Instead, they only accept personal checks as payment for goods or services.

Will Lowe’s Accept Checks When Paying Online?

Unfortunately, Lowe’s does not accept checks as a payment method when paying online (on, even if the customer chooses to pick them up at one of their physical stores.

Lowe’s policy states that customers cannot pay for their online orders with any type of check, including personal or business checks.

However, there are other payment options available for customers who prefer not to use a credit or debit card online.

Lowe’s accepts payments from a checking account through electronic fund transfers (EFT) or automated clearing house (ACH) payments. Customers can also use PayPal, Venmo, or Apple Pay to make payments online when shopping on the Lowe’s website.

It’s important to note that Lowe’s reserves the right to refuse certain electronic bank instruments, so it’s always best to check with them before making a payment. Additionally, customers can always pay with a personal or business check when shopping in-store at Lowe’s.

Does Lowe’s Verify Checks?

Yes, Lowe’s does verify all checks used to pay at their stores.

When a customer pays with a check at any Lowe’s store, the store uses a third-party service called Certegy to verify the check.

Certegy is a check verification service that provides information to merchants about the risk of accepting a check as payment. Lowe’s uses Certegy to ensure that the checks used as a form of payment are valid hence reducing the risk of accepting bad checks.

Certegy verifies checks by checking the customer’s check-writing history, checking account balance, and other factors. If Certegy approves the check, Lowe’s will accept it as payment. If the check is declined, the customer will be asked to use another form of payment.

Wrapping Up

In conclusion, Lowe’s accepts personal and business checks for in-store purchases.

Customers will need to provide 2 forms of government-issued photo ID at checkout. The name on the check should match the name on the ID.

Lowe’s also accepts debit cards as a payment method. Credit cards from most major issuers, PayPal, and Lowe’s gift cards are also accepted. The company also offers some contactless payment options, including Apple Pay and Google Pay.

Photo of author

Hayden Ortiz

Hayden is the co-founder of TheValueShopper. He is someone who loves grocery runs and spent 20 years of his career in the retail and consumer service industry. As our senior editor, Hayden primarily focuses on managing this website and providing answers to as many shopping-related queries as he can possible find with in-depth articles and additional videos where necessary.