Nothing personal: Two grocery chains attempt to ban check-writing customers
Filed under: Company News, Technology, Economy
In a move that highlights the shifting face of American banking, two large grocery chains are changing the way they let customers pay for food. Fresh & Easy has stopped taking personal checks at its 70 California stores, and Whole Foods Market (WFMI) is testing a check-free policy at two Los Angeles stores and one in Arizona. Amid today's endless array of payment options, it's easy to forget that checks represented the ultimate in banking convenience just a few decades ago. Before ATMs, debit cards, and easy access to credit cards, most consumers relied on checks to buy things at stores, supermarkets, and malls. Many grocery stores let customers write checks for more than their bill, amounting to basic cash withdrawals that could be conducted without a trip to the bank.
But history has moved on, and what was once a major convenience has become quite the opposite. With many customers using online banking to check their balances and debit cards combining the ease of credit cards with the reliability of checking, personal checks have become an unwieldy, annoying way to pay, and an impediment to easy recordkeeping. Most stores demand proof of identity with personal checks; many ask for a credit card as a backup form of payment. Many eBay sellers refuse to take checks, due to their unreliability and their slowness to clear. And among those companies that do still accept checks, e-checks have become increasingly common, enabling check users to experience the ease of credit cards.
Personal checks do have a certain low-tech charm. For some customers, the time lag between writing a check and having it cashed can be a lifesaver. But this ease comes with a price: many vendors let checks pile up before going to the banks, creating delays that can leave customers confused about their bank balances. And as anybody who has been caught behind a check-writing customer knows, paying by check is slow and irritating.
Still, old habits die hard. It will be interesting to see if Whole Foods and Fresh & Easy lose customers on their way to the next generation of commerce.



























Reader Comments (Page 1 of 28)
9-21-2009 @ 4:32PM
ghog95 said...
I always pay by check, i fthey don't like it? F-em!
I can always go elsewhere!
Reply
9-22-2009 @ 12:40AM
karen said...
Would rather you go elsewhere as well. People with attitudes are not welcomed...
9-21-2009 @ 9:59PM
Beth said...
I like to pay by check too. And notice lately,some of the stores that took checks like Rite Aide and Walgreens still will take them but the money comes out either that day or the very next. (You know that happens when they hand you back your check.)
In any case,I always get the impression you annoy places when you say you're paying by personal check.
9-21-2009 @ 10:49PM
Sister3436 said...
I have to say that checks use to be the way of the world. I had used my bank card for over 10 years to pay bills, groceries, etc, etc.... My bank account became compromised and the bank needed to issue me a new card. Well, for the next 10 days I had to write a check to grab a few things from the market. Imagine if checks were gone completely, A person could end up in real trouble if checks were gone completely.
9-21-2009 @ 11:10PM
Rio C.T. said...
You waste another costomer's time. I bet you have plenty
time,but many people do not. I know you have least debit
card because you have a bank account. Why don't you just
use debit card. There are many banks offer free debit card
even they will give you rewards.
Just stop waste another people's time. I think you are selfish.
9-22-2009 @ 5:06AM
Len said...
It,s about time the stores wake up and ban checks.
They hold up the line and some even stand and balance there account. Drives me nuts. I will support any store that implements the new policy
9-22-2009 @ 2:21PM
Marisole said...
My goodness "Wholefoods!" what happened to customer relations? You dont want my check ! thats ok you dont want my business!. Why is my check (money ) not as good as the next person, Ive been in business 30 years, and gladly accept ANY & ALL forms of money. BAD BUSINESS MOVE ! WHOLEFOODS ! VERY BAD BUSINESS MOVE! So whose the lazt ass who doesnt want to run to the Bank and make a deposit each night or have you not heard of Direct Deposit ! where the customers check is automatically deposited ! Your UnWholefoods are as unwelcome in my home as your unwillingness to accept my check !
9-22-2009 @ 3:38PM
frank said...
GEt a credit card -- easier, quicker and no need to carry your checkbook, taking a chance of losing it and wasting time showing ID, etc.
9-22-2009 @ 3:39PM
gettinthatmoney said...
Do u really think they care if they lose you as their customer???? U probably write checks that cant clear that day anyways, u the kind of person they are trying to get rid of. People who take forever to write out a check and hold up the line. Just get a dmn debit car, how hard is it to swip it through the machine??? Are u that old and senile lol
9-22-2009 @ 4:03PM
Mitch said...
Karen you can go else where as well. Customer is always right, and if enough people go else where, then these companies will understand that they made a bad decision and hopefully a few of them will go bye bye.
9-22-2009 @ 4:51PM
italrish37 said...
It's annoying to have to wait for someone to pay by check. What's the difference between using your debit card and writing a check? You enter each transaction into your ckbook and you're done. I think people still use them because they want to float it for a few days. If you don't have the money in your account, you shouldn't be writing out a check.
9-22-2009 @ 4:30PM
Bob said...
I got in the fast lane a few days ago 10 items or less, and some woman in front of the line dug in her purse to find the check book, slowly wrote the check, then the clerk had to get Drivers license # phone # etc. in case the check was bad. If they want to sell to these people, make a line for checks, keep them out of the express lane.
9-22-2009 @ 4:36PM
Brian said...
You mean you can go somewhere other than Whole Foods or Fresh & Easy.
Stop slowing down the line by writing checks. Make a trip to the bank or atm to get cash prior to your trip to the market, or get with the times and use a debit card.
Bravo to Whole Foods and Fresh & Easy! Hopefully more of chains will follow their lead.
9-22-2009 @ 4:46PM
revbob said...
People don't relize that banning checks is just the begining of the mark of the beast. The Bible say's that in the last days You will not be able to buy nor sell without the mark of the beast and before you know it Your bank account and Medical records will be on a chip in Your hand and the Number tattooed on Your head or back of Your hand.
9-29-2009 @ 3:34PM
A said...
Many years ago there were stores that did not take certain credit cards. Now things have changed and there will be more and more stores that will not take checks. Many checks are returned to retailers because individuals and companies do not have funds in the account. The stores incur banking fees and the cost of the product the check writer took. This, "cost of running a business", will of course be passed along to the consumer. Also, I have worked in the banking industry and even the banks say checks will become non-existant. Wake up...things in life change.
9-22-2009 @ 5:10PM
JL said...
Heh, I love to watch people like Rio C.T. here get all bent out of shape in the line as the little old woman in like takes out the check book, lol. Keep acting like a punk there "Rio" your immaturity provides for us endless entertainment as we wait in line. I'm sure that extra 5 min really cuts into your social life, lol.
9-22-2009 @ 5:21PM
Denise said...
I pay everything by check. My bank does not offer online banking or debit/credit cards, which I am GRATEFUL for. It means I have more control over who has access to my bank acct info. As for wasting others time by writing a check, I always have my check completely filled out except for the amount before getting to the check out line at the grocery/dept. store. Saves everyones time including mine. Those who cannot wait for a check to be filled out are probably the same ones who complain about a line having more than two people in it also. Get a life already !
9-22-2009 @ 5:19PM
Katie said...
I have had numerous consumer fraud problems with my debit card/Visa check card, but never when I wrote a check. I had to have my card reissued 3 times in a year due to my information being accessed from my bank or some punk behind a counter who traced the numbers and the security code on the back. I never had a problem passing checks. For those who think a few extra seconds to write a check is rude, then you are part of the current Marshmallow Generation. If you have to wait one second or click longer than you think you should, then you have a nature fit. Get a grip. Life is fast enough. Don't liek check writing? Go to another line.
9-22-2009 @ 5:47PM
Bob said...
Dream on, hon. Pretty soon it will be only debit and credit cards everywhere. No cash, no checks and no 2 cent stamps. It's 2009. Wake up!
9-22-2009 @ 6:21PM
Short Dog 23 said...
Karen, you are right on. This person needs to go elsewhere and shop. I wonder if he kisses anyone with that mouth.