 how to pay at the grocery store or at the department store or wherever you use a check, and how they know there's money in there. So Lisa just wrote me, and you can write me as well, frank.moreno at redappleaudionetworks.com. She writes, I occasionally pay by personal check at Acme Grocery Store when my checking account balance gets low. When paying by check, it usually takes five to six days for the funds to be deducted from my checking account.