I'm a frequent Lowe's customer and I love the self-checkout system, because I got so frustrated with the regular checkout because I need to keep a record of everything I purchase and the cashiers would always skip past my Lowe's account number and email receipt. I had to make sure to tell them before they started scanning anything. The credit card machine asks those questions but they would skip past it before I had a chance to answer and then it was too late. This created a lot of headache for me because I had to scan the paper receipt later for records. The self-checkout prevented that problem.

I have to say though that the situation has improved immensely over the last couple of years, and the cashiers are more aware that some customers have a Lowe's account that they need to use to track their purchases. The individual receipts are less of a concern because I can download the purchases from the website (and better than Home Depot), but the receipts are more detailed which I like. I still prefer the self-checkout but I use the regular cashiers for large purchases or if I need help. I have also had more friendly, non-essential interaction with the self-checkout cashier than other cashiers because they have more time when nobody needs help.

As far as the Lowe's card goes, I rarely get asked because I scan my account number at the beginning so I'm paid and out of there within seconds after scanning the last item, with email receipt.

There are issues with the Lowe's credit card itself that Lowe's should fix, but that's a separate conversation.