13 Stores That Give Cash Back on Personal Checks

While cards and digital payment methods have been on the rise in recent years, personal checks are still welcomed by many retailers. And, among retailers that accept checks as payment, some also allow customers to get cash back at the register.

Getting cash back at the register with a personal check is fairly straightforward. Instead of writing the check for the amount of the purchase, you write the check for the amount of the purchase plus the amount of cash back you desire. For example, if your purchase comes to $15.32 and you want $25 cash back, you would write the check for $40.32 to get your desired amount of cash back.

Most stores will require you to show a valid, government-issued ID when using a personal check, and some may require you to also have a store loyalty card. Also, keep in mind that all stores have cash-back limit policies, with most giving between $20 and $40 cash back.

What We Recommend

While Hannaford and Winn-Dixie both offer up to $100 in cash back during a single transaction, you can always do multiple transactions at other stores to get your desired amount of cash back. Food Lion, H-E-B, and Stop & Shop stores all allow you to get up to $50 in cash back from personal check transactions.

The List

There are many types of stores that accept personal checks as in-store payment, but most retailers that give cash back with personal checks are grocery stores — we list them below, starting with the stores that have the highest cash-back limits.

1. Hannaford

Note: Hannaford uses an electronic checking system that does not require you to fill out your check. A blank check is scanned at the register, and customers use the PIN pad to sign the check and request cash-back amounts, similar to a debit card.

Limit: $100^[1]
Other payment methods for cash back: Debit card, Discover credit^[1]
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2. Winn-Dixie

Limit: Varies by store location; typically $100^[2]
Other payment methods for cash back: Debit card and Discover credit^[2]
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Need more cash back? Check out our article about writing a check for cash.

3. Food Lion

Limit: $50^[3]
Other payment methods for cash back: Debit card and EBT (up to $200)^[4]
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4. H-E-B

Limit: $50^[5]
Other payment methods for cash back: Debit card^[5]
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5. Stop & Shop

Limit: $50 for new customers; $100 for returning customers^[6]
Other payment methods for cash back: Debit card^[7]
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6. Wegmans

Note: Wegmans will also cash personal checks without a purchase for Shoppers Club cardholders. Amounts vary based on how long you’ve had the card, from $200 every six days for new cardholders to $500 every six days when you’ve been a cardholder for six months or more.

Limit: $40^[8]
Other payment methods for cash back: Debit card^[8]
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7. Tops Friendly Markets

Limit: $40^[9]
Other payment methods for cash back: Debit card^[9]
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8. Giant Eagle

Limit: $30^[10]
Other payment methods for cash back: Debit card (up to $50)^[10]
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9. Albertsons

Limit: $25^[11]
Other payment methods for cash back: Debit card ($100 to $300), Discover credit (up to $120)^[11]
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10. Meijer

Limit: $25 in stores and $5 at gas stations^[12]
Other payment methods for cash back: Debit card (up to $50)^[12]
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11. Vons

Limit: $25^[13]
Other payment methods for cash back: Debit card (up to $200), Discover credit^[13]
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12. Walmart

Limit: $20^[14]
Other payment methods for cash back: Debit card (up to $100 in increments of $20)^[14]
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Our articles have more information about Walmart’s personal check policy and Walmart’s cash-back policy.

13. Target

Limit: $20^[15]
Other payment methods for cash back: Debit card (up to $40 in $20 increments)^[15]
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14. Kroger

Note: Kroger charges a small fee for cash back.^[16]

Limit: $20^[16]
Other payment methods for cash back: Debit card, Discover credit^[16]
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Our article has more information about Kroger’s cash-back policy.

15. Walgreens

Limit: $20^[17]
Other payment methods for cash back: Debit card^[17]
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Our article has more information about the Walgreens cash-back policy.

16. Market Basket

Limit: $20^[18]
Other payment methods for cash back: Debit card^[18]
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Stores That Don’t Give Cash Back With Personal Checks

Some stores will accept personal checks, but will not give cash back for check purchases. In the course of our research, we found that the following stores don’t give cash back for check purchases: