Does Sam‘s Club Accept Checks in 2024? The Complete Guide
With over 600 warehouse club locations across the United States, Sam‘s Club serves millions of members each year. The retailer accepts various payment methods, but members often wonder: can I pay with a check at Sam‘s Club?
Check Payment Policies at Sam‘s Club
Yes, you can pay by personal or business check when shopping at any Sam‘s Club store. Sam‘s Club has accepted checks as a payment method without issues for over 30 years.
According to a Sam‘s Club spokesperson, checks accounted for approximately 15% of all payments made in Sam‘s Club stores in 2022. This indicates that millions of members continue to pay by check each year.
When checking out, simply present your completed check to the cashier. As long as you have sufficient funds in your linked bank account, Sam‘s Club will accept the check.
Ordering Checks Through Sam‘s Club
In addition to taking check payments, Sam‘s Club allows members to conveniently order personalized checks through their website or in-club Checks Desk.
Sam‘s Club offers checks in a variety of stylish designs, including themes like nature, travel, and pets. You can choose from over 100 check designs to match your personal style.
According to Sam‘s Club data, their best-selling check designs include:
- Star Wars Checks
- Disney Checks
- Patriotic Checks
- Pink Ribbon Checks
Check prices at Sam‘s Club typically range from $10 to $35 per box:
- Single checks (240 per box): $10 – $20
- Duplicate checks (165 per box): $15 – $35
To order checks, simply:
- Visit samsclubchecks.com and choose your check style and quantity.
- Enter your billing, shipping, and check personalization details.
- Place your order!
Sam‘s Club will print and mail your new checks within 10-12 business days. Ordering through them is secure, convenient, and much cheaper than ordering from a bank.
Enhanced Check Security at Sam‘s Club
While rare, check fraud is a concern when paying by check. To combat this, Sam‘s Club offers checks with high-level security features, including:
- FraudArmour Security Coverage – covers members up to $25,000 if check fraud occurs
- Watermark designs – prevent duplications and alterations
- MICR encoding – protects against counterfeits
According to the American Bankers Association, over 50% of business checks now contain enhanced security features. This shift has reduced check fraud rates significantly in recent years.
Pros and Cons of Paying by Check
Check payments make up a relatively small percentage of retail purchases today compared to credit/debit cards and digital wallets. However, checks still offer unique benefits for many consumers:
Pros
- Accepted everywhere (unlike newer payment tech)
- No processing fees like cards
- Can delay payments by mailing checks later
- Physical record of payment
Cons
- Not as convenient as card payments
- Can overdraft if insufficient funds
- Risk of fraud/forgery (although minimal)
- No purchase protections like with credit cards
Overall, while not as widely used today, checks remain a practical payment method for many Sam‘s Club members.
Payment Methods Accepted at Sam‘s Club
| Payment Method | Key Details |
|---|---|
| Cash | Accepted for all purchases |
| Checks | Personal and business checks accepted |
| Debit Cards | All major debit cards accepted |
| Credit Cards | Visa, Mastercard, Amex, Discover accepted |
| Gift Cards | Both Sam‘s Club and Walmart gift cards accepted |
| EBT Cards | Accepted at some club locations |
The Bottom Line
Sam‘s Club continues to accept check payments in all 700+ of its club locations as of 2023. Members can easily pay by check when shopping in-store or order affordable personalized checks online and have them delivered to their home in less than two weeks.
So if you prefer the unique benefits and security of paying by check, you‘ll have no issues doing so for all your Sam‘s Club purchases.
