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Does Walmart Cash Checks?

does walmart cash checks

Does Walmart cash checks? They do and you can save yourself a trip to the bank with in-store check cashing at Walmart.

If you find yourself in a bind and you need to get cash quick, save yourself the hassle of trying to get to your bank before it closes, standing in a long line at a check cashing store or trying to find an ATM on your way home.

Here’s how to cash your check at Walmart:

  • Visit your local Walmart store
  • Bring your check and valid ID  
  • Cash your check at any customer service desk or Money Services center

These are the prices:

  • For pre-printed checks up to and including $1,000: max. $4.00
  • For pre-printed checks over $1,000 up to and including $5,000: max. $8.00

What you can cash:

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  • Pre-Printed checks
  • Payroll checks
  • Government checks
  • Tax checks
  • Cashiers’ checks
  • Insurance settlement checks
  • 401(k), retirement disbursement checks
  • MoneyGram money orders
  • Two-Party personal checks

Cashing limit:

  • Two-Party personal checks are limited to $200
  • All other checks $5,000 ($7,500 from Jan-Apr)

How to Cash Your Check at Walmart

Walmart makes it simple for you to cash your check while you’re at Walmart. All you need to do is present your endorsed check to the cashier at one of the checkout lanes, along with valid identification, and pay the required fee.

There’s no need to register to cash checks with them or to have either a Walmart store credit card or Walmart MasterCard. Once you have completed this process, you have your money in a matter of moments.

What Types of Checks Does Walmart Cash?

There are a number of different checks that Walmart can cash for you at checkout lines. These include payroll checks, government checks, tax refund checks, cashiers’ checks, insurance settlement checks and 401(k) or the retirement account disbursement checks.

In fact, as long as it’s a pre-printed check, it’s likely Walmart can cash it. If you’re unsure, you can visit the customer service desk to inquire if you have a check that doesn’t meet the listed criteria.

In addition, they also cash MoneyGram money orders as long as they were originally purchased at Walmart. The only types of checks they cannot cash are personal checks.

What are the Cash Limits?

As of 2018, Walmart has a a check cashing limit of $5,000, although they increase this limit to $7,500 from January to April of each year.

The check cashing fees are $4 for any checks up to $1,000. For checks between $1,001 and $5,000, the fee is $8. Two-Party Personal Checks are limited to $200 and have a max fee of $6.

You can check with the customer service department to see how much the fee is for checks of more than $5,000 during the January to April time frame.

Keep in mind that if you have a Walmart MoneyCard, which is a reloadable prepaid card, you can also have some or all of that money loaded onto your card and the reload fee that they typically charge for the service, which is $3, is waived. However, note that the check cashing fee is still applied.

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Why Wouldn’t Walmart Cash Your Check?

There are numerous reasons why Walmart might not cash your check. The reasons would include if it is more than 180 days since it was issued, they will not cash it. If it isn’t clearly legible in any part of it, they may not cash it. If the written amount and the numerical amount do not match, they will not cash it.

What Time Does Walmart Cash Checks?

What are the Walmart Money Center hours? The usual hours are 8 a.m. to 8 p.m. Monday through Saturday and 10 a.m. to 6 p.m. Sunday, according to Walmart, but exact times vary by store.

How to Get a Walmart MoneyCard

If you want to cash your check and have some or all of the money placed onto a Walmart MoneyCard for convenient shopping, but don’t already have one, you can do so in one of two ways.

You can apply for one in-store and, if approved, receive it and use it that day once you have paid the $3 set-up fee. If you prefer, you can also request one online at WalmartMoneyCard.com. After you receive it in the mail, you can hand your card to the cashier to load your cashed check funds onto it and you’ll not have to pay the initial $3 set-up fee.

Benefits of the Walmart MoneyCard

The Walmart MoneyCard is a prepaid card that works just like a debit card, and it’s loaded with your own money. It comes with either MasterCard or Visa branding and is used for purchases and cash advances.

It also gives you other advantages like allowing you to set up direct deposit with your employer and possibly receive the money two days earlier than you’d typically do so from your bank. You can also get rewarded by using the card. This includes getting 3 percent of your purchase price back when you use the card at Walmart.com, 2 percent back when you get gas at either a Walmart-branded gas station or one operated by Murphy USA and 1 percent back when you use the card at a Walmart or Sam’s Club location.

Other amenities from using the Walmart MoneyCard are being able to get your tax refund check faster than a paper check through direct deposit from the IRS, and being able to send and receive money easily through MoneyGram and the online bill-paying service. You can also use the MoneyCard to send money to someone else that has either a Walmart MoneyCard, PayPal account or any prepaid debit card issued by the same company that issues the Walmart MoneyCard, which is Green Dot Bank.

Final Thoughts

Walmart check cashing services are convenient, speedy, and efficient. Plus, you don’t need to have a bank account to cash your checks.

As long as your local Walmart store is open, you can cash your check whenever you need it.

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