Does Walmart cash checks? Yes! (cashing policy, fees, limit, hours)

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  • Walmart offers check cashing services across all its stores, with fees ranging from $4 to $8, depending on the check amount.
  • The maximum amount you can cash per check is $5,000 and $7,500, depending on the time of the year.

Does Walmart cash checks? Yes, you can cash a check at Walmart and have your money instantly. Walmart can cash various checks for you, including government checks, tax refund checks, 401(k) or retirement checks, insurance settlement checks, payroll checks, cashiers’ checks, pre-printed checks, two-party personal checks, and MoneyGram money orders issued at a Walmart. However, Walmart does not cash handwritten personal checks.

Walmart is mostly known to be an American retail shopping giant. Still, it’s also a viable alternative banking destination offering in-store and online financial provision for those in need of certain essential money services.

Walmart is able to carry out these services through its Money Center available at all Walmart stores. One of these financial services is check-cashing — similar to banks; customers can cash their checks and receive their money instantly.

Walmart’s check-cashing service is known to be fast, convenient, and reliable. You don’t need any bank account to cash your check nor do you need any form of registration to access the service. Also, you can load your Walmart money card using cash.

Walmart check cashing service is best for convenience and for those who don’t have a bank account or a prepaid debit card (or choose not to have them).

Types of checks you can cash at Walmart

You can cash different types of checks at Walmart but not all types of checks. It has a strict list of what kinds of checks can be accepted at its Money Center.

These are the list of checks you can cash at Walmart:

  • Government checks
  • Tax refund checks
  • Payroll checks
  • Cashiers’ checks
  • Insurance settlement checks
  • 401(k), retirement disbursement checks
  • MoneyGram Money Orders originally purchased at Walmart
  • All pre-printed personal checks
  • Two-party personal checks

Walmart has ineligible checks it won’t cash, these include:

  • Handwritten checks
  • Checks dated more than 180 days prior
  • Checks with multiple payees
  • Post-dated checks
  • Savings bond checks
  • Starter checks
  • MoneyGram money orders not purchased at Walmart
  • Non-MoneyGram money orders

How to cash a check at Walmart

Cashing a check at Walmart is very easy and stress-free. You don’t have to shop at Walmart store to cash a check. All check-cashing services are offered in-store.

To cash your check, you only need to present an endorsed check along with a valid form of photo ID and the transaction fee (more on the fees below) to the Money Center service desk available at any local Walmart store. The photo ID could be your international passport, driver’s license, or any other government-issued form of photo identification.

If this is your first time cashing a check at Walmart, you may be asked to present your social security number (SSN) — This is just a one-time request and will not be needed for future transactions.

You can receive your money in cash or load it on a Walmart MoneyCard. Walmart MoneyCard is available for free online, or get it for $1 at any checkout. The typical $3 reload fee is waived when you load Walmart MoneyCard via check cashing. The standard check cashing fee will still be charged, though.

The Walmart MoneyCard is a decent option for cashing your check, especially if you regularly use it as part of your financial life.

Walmart check-cashing fees and limits

Walmart has a check-cashing limits that changes depending on the period of the year.

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The limit is $5,000 per single check from May to December. However, this limit is temporarily increased to $7,500 from January to April due to customers presenting bigger checks for tax refunds.

Furthermore, check-cashing is capped at 3 per day for checks less than $5,000.

Walmart check cashing fees start at $4 for checks up to $1,000, while checks between $1,001 and $5,000 will incur $8 in fees.

Two-party personal check is capped at $200 with a maximum fee of $6.

Does Walmart cash checks on Sunday?

Sunday is a great day for getting prepared and setting plans for a new week. You’ll also be glad to know that you can cash checks at Walmart on Sundays.

The Walmart Money Center working hours are Monday to Saturday (8 a.m to 8 p.m) and Sunday (10 a.m to 6 p.m)

Walmart check order

Besides offering check-cashing services, Walmart also provides check-order services (at walmartchecks.com), offering various checks across multiple categories, from basic checks to cause-related checks. You can even design your own checks, including personal pictures or business logos.

Before you can order checks from Walmart, you’ll need to provide your bank account details, such as the account and routing number, plus the number you want the checks to start with.

Both personal and business checks are available, and you can order between 150 and 600 checks at a time. Walmart checks can cost anywhere between $8 to $50 per order – depending on the type, style, and check amount.

What other services are available at Walmart Money Center

Apart from check cashing, the Walmart Money Center also offers other financial services that include MoneyGram transfers, Walmart2World money transfers, Walmart Rewards Card, Capital One Walmart Rewards Card, payment of bills online and in-store through the Walmart app, and more other services.

Why can’t I cash my check at Walmart?

There are a few reasons why Walmart may refuse to cash a check, including insufficient funds, an unacceptable check type, or because the check exceeds the maximum amount for acceptable checks. Another reason why Walmart may decline cashing your check is if the check is suspected to have been altered or if your identity could not be verified.

Walmart uses an automated approval system such as Certegy and Telecheck to verify checks before accepting them. Both services use information like your ID and transactions history to either approve or deny your check. Other reasons include entering the wrong SSN or if you previously cashed a bad check at Walmart.

Can I cash a check at Walmart without ID?

You can’t cash a check at Walmart without ID. To cash a check, you’ll need to provide a valid government-issued photo ID. It could be an international passport, military id, state id, or driver’s license.

Can I cash a 5000 check at Walmart?

The short answer is yes. Walmart has a check-cashing limit of $5,000, although this limit is usually increased to $7,500 from January to April of each year.

What time does Walmart cash checks?

Walmart check-cashing hours are Monday to Saturday (8 a.m to 8 p.m) and Sunday (10 a.m to 6 p.m). The exact time may vary by store. Additionally, you can go to Walmart’s homepage and find the precise hour for a Walmart Money Center near you.

Can Walmart tell if a check is bad? / How do Walmart verify checks?

Walmart uses a third-party (TeleCheck or Certegy) check verification service to verify checks. They are two of the largest providers of check verification services for retail. When you present a check, Walmart will receive a green or red light system signifying acceptance or decline.

Conclusion

Walmart offers a check cashing service that’s fast, reliable, and cheaper than most banks and other check-cashing stores. It’s a great alternative that doesn’t require having a bank account.

The only downside is the limitations on the types of checks and check amounts, which is quite normal when you consider that Walmart is actually not a bank — it basically partners with several banks and accredited money transfer services.

As long as the local Walmart store near you is open, you can always cash your check whenever you want.

Was this article helpful to you? Were you able to cash your checks at Walmart? Let us know in the comment section!

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