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Wondering if Walmart does cash out of state checks? This article is for you.
Walmart stores are located all across the country and the ease and convenience of cashing checks at Walmart makes it a popular choice for millions of Americans.
If you do have an out of state check, you may be asking: does Walmart cash out of state checks? Here’s everything you need to know!
Does Walmart cash out of state checks?
Yes, Walmart does cash out of state checks through its MoneyCenter. You’ll need to provide a government-issued photo ID for verification. Walmart charges fees ranging from $4 to $8, depending on the check amount.
How to cash out of state check at Walmart
Find a local Walmart store near you and head over to the Money Center. When you get to the Money Center, tell the associate that you have an out of state check you’d like to cash. The associate will ask for your ID and then ask you to endorse the check if you’ve not done so already. This means that you’ll need to sign your name on the back of the check.
Once you’ve endorsed the check, the associate will verify the and cash the check for you. You’ll receive the cash in exchange for the check.
Keep in mind that there is usually a fee to cash an out of state check at Walmart. The fee is typically $4 for checks up to $1,000, while checks between $1,001 and $5,000 will cost $8 in fees. This means that if you’re cashing a $100.00 check, you’ll only receive $96.00 in cash.
Additionally, you’ll need to provide your valid government-issued photo ID such as your driver’s license or passport for verification to cash the check.
How are funds paid by Walmart?
There are mainly two ways Walmart makes check payments depending on the choice of the payee. You can choose to receive your out of state check in cash or you can load the check fund onto a Walmart MoneyCard. The MoneyCard functions like a debit card, allowing you to use your funds to shop anywhere Visa is accepted, or to withdraw cash at any ATM.
Walmart will charge a $3 reload fee for the MoneyCard.
Walmart treats out-of-state checks the same as in-state checks. However, it can sometimes take up to 10 business days for out-of-state checks to clear — depending on the state and Walmart location.
How much does Walmart charge to cash an out of state check?
Walmart charges $4 to $8, depending on the out of state check amount. The cashing fees start at $4 for checks up to $1,000, while checks between $1,001 and $5,000 cost $8 in fees.
What is the check cashing limit for out of state checks?
Walmart has check-cashing limits that change depending on the period of the year.
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. In addition, check-cashing is capped at 3 per day for checks less than $5,000.
How does Walmart authenticate out of state checks?
Walmart requires customers who wish to cash their out of state checks to present a Government-issued photo ID for verification. This requirement is in place to help ensure that the customer is who they say they are, and to help prevent fraud. By requiring an ID, Walmart is able to verify the identity of the check’s owner and ensure that the out of state check is not stolen or counterfeit.
This requirement may be inconvenient for some customers, but it is an important security measure that helps protect both Walmart and its customers from check fraud. In addition to requiring an ID, Walmart also uses other security measures (through Certegy or Telecheck) and compares the signature on the check to the signature on the ID. Once the check is verified, you will get your funds. If your check gets denied by the Certegy/TeleCheck authentication scan, Walmart will not accept the check.
What type of checks does Walmart accept?
Walmart does cash different types of out of state checks including:
- Government checks
- Tax refund checks
- Payroll checks
- Cashiers’ checks
- Insurance settlement checks
- All pre-printed personal checks
- Two-party personal checks
- 401(k), retirement disbursement checks
Bottom line: Does Walmart cash out of state checks?
Yes, Walmart cashes out of state checks. Walmart is one of the most popular places to cash out-of-state checks due to its many locations across the United State. There are a few things that you need to know in order to successfully cash your out of state check. First, you need to have a government-issued photo ID. Second, you need to be aware of the limits and fees which range from $4 to $8 for checks up to $5000. However, this limit will temporarily increase to $7,500 from January to April.