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Want to know how much Walmart charges to cash a check? There is no one-size-fits-all answer to this question, as the fee for cashing a check at Walmart may vary depending on the amount of the check. However, as a general rule of thumb, Walmart typically charges a fee of between $4 to $8 to cash a check.
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 choose to receive your check payment in cash or you can load the funds onto a Walmart MoneyCard. The funds will then be loaded onto a Walmart MoneyCard, which you can use as a debit card to shop anywhere Visa is accepted, or to withdraw cash at any ATM.
How much does Walmart charge to cash a check?
Walmart charges $4 to $8, depending on the check amount. Walmart check cashing fees start at $4 for checks up to $1,000, while checks between $1,001 and $5,000 will set you back $8 in fees. A two-party personal check is capped at $200 with a fee of $6.
What kind of checks can be cashed at Walmart?
You can cash different kinds 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. Therefore, only the following list of checks can be cashed 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
What is Walmart check cashing limit?
Walmart check cashing limit is $5,000 per single check from May to December. However, Walmart temporarily increases this limit to $7,500 from January to April due to customers presenting bigger checks for tax refunds. Furthermore, check-cashing is limited to 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 cost $8 in fees.
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 a Walmart store to cash a check. All check-cashing services are offered in-store through the MoneyCenter.
To cash your check, you only need to present an endorsed check along with a valid form of photo ID and the transaction fee 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.
Walmart MoneyCard can be used anywhere Visa is accepted, or to withdraw your funds at any ATM.
Is it cheaper to cash a check at Walmart?
It’s generally cheap to cash a check at Walmart. It will cost $4 to cash checks of $1000 and below at Walmart. For checks between $1,001 to $5,000, Walmart charges a fee of $8.00, and two-party checks will cost up to $6 in fees.
Can I cash a $10,000 dollar check at Walmart?
Walmart has a check cashing limit of $5,000, However, this limit is temporarily increased to $7,500 from January to April. Walmart check cashing fees are $4 for any checks up to $1,000 and $8 for checks between $1,001 and $5,000.
How much does it cost to cash a $900 check at Walmart?
Walmart check-cashing fees cost $4 for checks up to $1,000; therefore, the fee to cash a $900 check at Walmart will cost $4. Additionally, it will cost $8 to cash checks above $1,000 and $6 for two-party personal checks up to $200.
Can I cash a $5,000 check at Walmart?
Yes, Walmart has a check-cashing limit of $5,000, although this limit generally increases to $7,500 from January to April of each year.
Why can’t I cash my check at Walmart?
There are many possible reasons why you may not be able to cash your check at Walmart — the most of which is verification. Walmart uses an automated approval system such as Certegy or 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 why Walmart may refuse to cash a check, include entering the wrong SSN or if you previously cashed a bad check at Walmart.
What’s needed to cash a check at Walmart?
To cash a check at Walmart, you don’t need to have a bank account nor do you need any form of registration. All you need to cash a check at Walmart is your check and a valid government-issued photo ID such as an international passport, or driver’s license.
Bottom line: How much does Walmart charge to cash a check?
How much Walmart charge to cash a check will depend on the check amount. For checks $1,000 and below, the maximum fee is $4.00. For checks between $1,000 and $5,000, the maximum fee is $8.00. The fee will be deducted from the total value of the check. For two-party personal checks up to $200, the maximum fee is $6.00.