You can cash various 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 when cashing the check. You can get your money immediately or load it to your Walmart MoneyCard.
If you write a check to yourself, you cannot cash it at Walmart. The retailer does not cash handwritten or personal checks.
What Kind of Checks Does Walmart Cash In?
You can cash the following checks at Walmart
- Pre-printed checks
- Business checks
- Payroll checks
- Government checks
- Tax refund checks
- Two-party personal checks
- Out-of-state checks
- MoneyGram money orders bought at Walmart
- Cashier’s checks
- Insurance settlement checks
- 401(k) or retirement disbursement checks
How Much Does It Cost to Cash a Check at Walmart?
To cash a check at Walmart, you need to carry the endorsed check and come with a valid proof of identification. You can take a government-issued ID with your photo, such as your driving license, US passport, or state ID. You also need to carry your social security number. Walmart charges different fees to cash your check depending on the check amount. For example,
- For checks amounting to $1000 or less, you’ll pay a maximum of $4
- For checks between $1000 -$5000, you’ll pay a maximum of $8
- For two-party checks worth $200, the maximum amount payable is $6
Between January and April 2022, Walmart increased the check cashing limit to $7500 to accommodate tax return checks. Walmart deducts the check-cashing fees from the check amount.
Is it cheaper to cash a check at Walmart?
When you receive a check, you don’t need to deposit it into your bank account. You can go to the bank that issued it to cash it even if you don’t have an account there.
If you are not an account holder at the bank, the bank will charge you a non-customer cash checking fee. This fee may be fixed or a percentage of the check amount you want to cash.
Banks charge a higher fee to cash a check compared to Walmart. However, banks offer more convenience since they are more than the number of Walmart outlets near your area.
Cash Limits on Checks at Walmart
Walmart introduced a check cashing limit in 2018. Currently, the check cashing limit for two-party personal checks is $200 and $5,000 for all other checks. However, they regularly increase the cashing limit to $7,500 between January and April every year to accommodate tax return checks.
How To Cash a Check at Walmart?
You can cash a check at any Walmart that has a money center. To cash your check;
- Visit your local Walmart store
- Bring your endorsed check and a valid form of ID. You need two types of ID to cash a check at Walmart. One with a photo and one without
- Head to the Walmart money center located inside the Walmart store to cash your check. You can also cash it at the customer care desk or the cash registers.
What IDs Are Acceptable to Cash a Check at Walmart?
You cannot cash a check at Walmart without any form of ID. Walmart requires valid identification to prove that you are the genuine holder or owner of the check you want to cash.
To cash some checks, such as tax refund, pre-printed, or cashier checks, you need a government-issued ID. Walmart accepts various identifications such as a driver’s license, tribal ID, military ID, US passport, or state ID card. When cashing a pre-printed check, Walmart requires two forms of IDs, with at least one of them having your photo.
What Are the Reasons Why Walmart Would Not Cash a Check?
Despite Walmart being a cheaper option to cash your check than banks, they may refuse to cash your check. Here are some reasons why Walmart may refuse to cash a check.
- Checks past 180 days since their issue date
- If a part of the check is not legible
- If the written amount does not match the numerical amount
- Damaged or ripped checks
- Handwritten checks
- Personal checks
- Post-dated checks
- Non-money gram money orders
- Money gram money orders issued elsewhere other than Walmart
Only the issuing banks or institutions can verify whether a check is genuine. So, even if you manage to cash a fake cashier’s check at Walmart, the bank will return it as unpaid.
In such a case, Walmart may undertake legal proceedings against you for fraud. Walmart would seek to recover the amount they paid for the check plus any additional fees.
Can you cash a check at Walmart without a bank account?
Walmart does not require you to have a bank account to cash your check. In addition, no registration is required. All you need is the check plus a valid ID.
Will Walmart cash international checks?
No, you cannot cash an international check at Walmart. This is because of the long processing times associated with clearing international checks. You can, however, cash a Canadian check drawn on an American bank in US currency.
Will Walmart cash a tower loan check?
Yes, Walmart will cash a tower loan check up to a limit of $5000. However, the check must be valid, and you must provide a proper form of identification.
Can someone else cash a check for you at Walmart?
No, you cannot send someone else to cash your check at Walmart. You need to endorse the check and provide a government-issued photo ID yourself. To minimize fraud and theft cases, Walmart requires you to prove that you are the valid owner of the check.
Will Walmart cash a handwritten check?
No, Walmart does not cash handwritten checks. These checks have a higher risk of fraud or insufficient funds in the account. Walmart limits its check cashing to pre-printed checks and other types of checks authorized by its policy.
How Late Can You Cash a Check at Walmart?
You can cash a check at a Walmart money center from 8 am to 8 pm Monday through Saturday. The centers are open between 10 am to 6 pm on Sundays. However, the operating hours may vary depending on the store location.
Some select Walmart stores offer the services 24/7 at the customer care desk or the cash registers.
You can cash your check at any Walmart store with a Walmart money center. Walmart cashes various types of checks, including business, pre-printed, payroll, cashier’s, cash refund, and so on.
You do not need to register or have a bank account to cash your check at Walmart. All you require is a check and a valid government-issued photo ID.
Walmart charges $4 to cash a check $1000 or lower and $8 to cash a $1000 check up to a limit of $5000. When you cash a check at Walmart, you can get your cash immediately or load it to your Walmart MoneyCard.