Are you finding those places along the upper lakes?
Where are they located and what source is saying cash/check?
As others have posted, from NJ to Florida I have only found a couple not so upscale places that may have only taken cash.
One I remember was fifty cents a foot so I handed the guy a $20 bill for a 40 foot boat, he stuck it in his pocket and said thanks, then walked back to where he was working on a boat. He never said he wouldn't take a cc...but it looked like too much effort for both of us.
Those are rare and usually there are other places nearby that will take a cc.
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