Does TJ Maxx Take Checks

By David Krug David Krug is the CEO & President of Bankovia. He's a lifelong expat who has lived in the Philippines, Mexico, Thailand, and Colombia. When he's not reading about cryptocurrencies, he's researching the latest personal finance software. 3 minute read

It’s always nice to have a few options for payment while you’re out shopping. Paying using a credit card isn’t always an option, especially if you find a great deal that you can’t pass up.

Every time you visit a TJ Maxx shop, you’ll find something fresh and interesting to buy. To answer your question, TJ Maxx accepts checks. If so, you’ll want to continue reading!

Can I pay with a check at TJ Maxx in 2022?

In 2022, TJ Maxx stores will accept checks. The bank account must be linked to a physical address in either the United States or the Commonwealth of Puerto Rico. Before they may be approved, checks must be digitally confirmed by a third party. TJ Maxx also accepts credit and debit cards, Apple Pay, gift cards, and PayPal for transactions made on the company’s website.

To learn more about TJ Maxx’s check verification procedure and how to use personal checks at the store, keep reading!

Does TJ Maxx accept checks in their stores?

TJ Maxx accepts personal checks in-store, and the account’s address must be in the continental United States or Puerto Rico.

Checks must be digitally confirmed by a third-party provider before they can be accepted, which is quite rapid and only takes a few seconds.

TJ Maxx verifies checks?

To validate and guarantee checks, TJ Maxx employs Certegy Check Services, a check verification service.

In order to authenticate your account, Certegy receives the information on your check, including your name, the bank name, the routing number, and the account number.

Check Verification Methods in Retail Stores

Several merchants, like TJ Maxx, employ check verification services like Certegy to verify and guarantee the payment of personal checks. Check and driver’s license details are used to validate your account’s existence and the amount of cash available to support your order.

A customer’s history of faulty checks might potentially be a factor in Certegy’s decision to reject a check. The process of verifying checks is not error-proof, and checks may be refused for no apparent reason.

Use another payment method and contact the third-party verification provider after the transaction if a check is rejected.

Other Payment Methods

A variety of payment options are available at, including credit and debit cards, gift cards, and e-wallets.

  • VISA, MasterCard, and American Express are among the widely accepted forms of payment. Discover
  • Visa, MasterCard, American Express and Discover checks are accepted as gift cards at
  • Pay with your iPhone using Apple Pay
  • Using PayPal to make transactions online

Other Stores Like TJ Maxx Accept Checks

In addition to TJ Maxx, the following retailers also accept personal checks as payment:

  • Burlington Coat Factory
  • Target

In contrast to Nordstrom Rack and Kohl’s, Ross Labels for Less will take checks as a deposit to hold inventory until the check clears. Nordstrom Rack and Kohl’s do not accept checks.

Bottom Line

There is a third party that verifies the checks that TJ Maxx accepts in its locations. For online purchases, TJ Maxx accepts a variety of other ways of payment, including credit and debit cards, gift cards, Apple Pay, and PayPal.

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