New York
Walmart can be an alternative to banks for check cashing services.
You might want to use Walmart to cash a check if you don’t have access to a bank account, need to cash a check quickly outside of a bank’s regular hours, if you need the money quickly, or if the check is approaching expiration.
For small checks, especially checks under $50, the fee may not be worth it.
Most banks offer competitive or free check cashing to customers and non-customers, but if the restrictive hours or locations of a bank are problematic, Walmart can be a safe choice.
Remember that the requirements for cashing a check are the same everywhere; you’ll need to endorse the check and provide photo I.D.
Get your money when you need — cash your check at your local Walmart store.
Load your cash on your Walmart MoneyCard for extra convenience. Get your card online and pay no issuance fee.
- No registration required
- Get your cash immediately
- Load your money on a Walmart MoneyCard for extra convenienc
Walmart Checking FAQ
What kind of checks does Walmart cash?
Walmart is very strict with the kinds of checks that is accepted for its check-cashing services as check fraud is a problem.
So only the following checks can be cashed:
- Payroll checks
- Government checks
- Tax refund checks
- Cashiers’ checks
- Insurance settlement checks
- 401(k), retirement disbursement checks
- MoneyGram money orders issued at a Walmart
Can you cash a personal check at Walmart?
Walmart won’t cash any personal checks over $200. Walmart cashes your check for cash or a Walmart MoneyCard. They waive the reload fee for the MoneyCard for select payroll companies and government checks.
Why can’t I cash my check at Walmart?
There are numerous reasons why Walmart might not cash a payroll check. If it is post-dated, they will not cash it. 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.
Will a check go through with insufficient funds?
But that’s not all that can happen: Fees pile up: When you have insufficient funds, your bankwill charge you a fee—usually between $27 and $35. … A business that deposits your badcheck will get dinged by their bank and then pass the charges on to you. There’s often a penalty for failed electronic payments, too.
How to Cash Checks
● Visit your local Walmart store
● Bring your check and valid ID
● Cash your check at any customer service desk or Money Services center.
Walmart Check Cashing Hours
You can cash a check at any register with an actual cashier. Can be done 24/7 with or without a purchase. Note, they may not have funds readily available outside of the hours the Customer Service (or Money Services in some stores) desk is open.
7:00 AM is the normal check cashing time, but can vary between Walmart stores.
Walmart Check Cashing Limits
$8 for checks above $1,000; Cash advances on a Bank Card incurs a $3.74 transaction fee and a limit of $1,000 per day; Two-party checks carry a maximum charge of $6 and a cashing limit of $200; Maximum limit for check cashing is $5,000 May-December.
Walmart offers a check-cashing alternative for consumers — cheaper than banks and even cheaper than mom-and-pop check-cashing stores.
The downsides are the restrictions on the types of checks and check amounts.
Ideally, the checks are deposited into a checking account.
People who struggle to get approved for a traditional checking account may consider applying for an online checking account or a second-chance checking account.