Check Cashing at Walmart: Cashing Limit, Fees, Hours & Stores Guide

Walmart Check Cashing Policy: Hours, Limits, Fees, and More

If you need to cash a check outside of regular banking hours, don’t have a bank account, or just want the convenience of cashing your check while shopping, you can go to Walmart. They charge a small fee to cash most types of checks, and you don’t need to register or have a bank account – just bring your check and a valid ID.

Walmart also offers the option to load the money from your cashed check onto a Walmart MoneyCard, which you can get online without an issuance fee. If you reload a MoneyCard, the reload fee is waived.

You can cash various types of checks at Walmart Money Centers located in Walmart stores across the country. Some Walmart stores also allow you to cash your checks at the register. There is no registration fee required, and you can get your money immediately or load it to your Walmart MoneyCard.

However, Walmart doesn’t cash handwritten or personal checks, so if you write a check to yourself, you won’t be able to cash it there.

As one of the largest retailers in the United States, Walmart offers a variety of financial services to its customers, including check cashing. Walmart check cashing is a convenient option for those who need to access their funds quickly, without the need for a traditional bank account.

What Types of Checks Does Walmart Cash?

• Cashier’s checks
• Government checks
• Insurance settlement checks
• Payroll checks
• Pre-printed checks
• Tax refund checks
• 401(k) or retirement distribution checks
• MoneyGram money orders that were purchased at Walmart
• Two-party personal checks

What Types of Checks won’t Walmart cash?

• Handwritten checks
• Personal checks, checks made out to cash
• Third-party checks
• Starter checks
• Savings bonds checks
• Altered checks
• Checks more than 180 days old
• Expired checks
• Post-dated checks
• Non-MoneyGram money orders
• Comdata Checks/Comcheks

How to Cash Your Checks at Walmart?

Cashing a check at Walmart is easy and doesn’t require you to make a purchase or have a bank account. Just bring the check and a valid government-issued ID (such as your driving license, US passport, or state ID) to the customer service desk or MoneyCenter. You may need to provide your social security number.

After the cashier approves your ID and authorizes the check, pay the cashing fee and choose to receive your funds as cash or load them onto a Walmart MoneyCard. The MoneyCard is a prepaid Visa debit card that you can use anywhere Visa debit cards are accepted. It can be a safer option than carrying cash and you won’t incur overdraft fees. Plus, when you load your check onto a MoneyCard, the typical reload fee is waived.

Walmart Check Cashing Fees and Limit

When cashing a pre-printed check at Walmart, the maximum fee is $4 for checks less than $1,000 and up to $8 for checks over $1,000 and up to $5,000. Walmart does not allow checks above $5,000, except from January to April, during which the limit increases to $7,500. Two-party personal checks are only allowed up to $200. You can cash a maximum of 3 checks per day.

If you choose to put the cash on a Walmart MoneyCard, they will waive the $3 reload fee. If you don’t have a MoneyCard and register for one online, Walmart will waive the issue fee.

Walmart Check Cashing Verification

When cashing a check at Walmart, you must bring a valid ID, and the check must be made out to you. Walmart uses TeleCheck or Certegy, two check authorizing services, to electronically process your check. Your check’s routing and bank account numbers, along with the transaction amount, will be verified against other checks in the system to determine approval or denial. If your check is denied, it could be because you haven’t cashed enough checks for the verification system to build a proper file on your identity. Make sure your check is free of wrinkles, tears, or smudges near the numbers at the bottom, as the scanning machine reads the check’s information.

Does Walmart cash international checks?
Walmart does not cash international checks due to the extended processing time required for clearing them. However, if you have a Canadian check that is drawn on an American bank and payable in US currency, you can cash it at Walmart.

Will Walmart cash a tower loan check?
Walmart will cash a Tower Loan check up to a maximum limit of $5,000 provided that the check is valid, and you have a valid form of identification.

How Late Can You Cash a Check at Walmart?
The latest time you can cash a check at Walmart will depend on the operating hours of the specific store you plan to visit. Typically, Walmart Money Centers are open from 8 am to 8 pm Monday through Saturday and from 10 am to 6 pm on Sundays.