What does the Walmart personal check policy say anyway?

If you want to know about Walmart’s personal check policy, but you don’t want to spend your time digging through Walmart’s website or making phone calls just for one simple answer, this article was written with you in mind. This article will look at everything you need to know about the Walmart check writing policy.

In This Article:

  • Does Walmart Accept Personal Checks as a Payment Method?

  • Can You Pay with a Check at a Self-Checkout?

  • What Type of ID Is Required When Writing a Personal Check?

  • What Is TeleCheck and How Does It Work?

  • Can You Cash a Check Without ID?

  • Can I Use a Check if My Name Doesn’t Appear on the Check?

  • How Long Does It Take for the Money to Be Deducted from the Bank Account?

  • What If There’s Not Enough Money in the Account?

  • Is Cash Back an Option When Paying by Check?

  • What’s the Maximum Number of Checks You Can Write at Walmart per Day?

  • What Other Stores Accept Personal Checks?

  • Can You Cash Personal Checks at Walmart?

  • What Types of Checks Does Walmart Cash?

  • Can You Cash a Tax Refund Check at Walmart?

  • What Types of Checks Does Walmart Not Accept or Cash?

Does Walmart Accept Personal Checks as a Payment Method?

Walmart does accept personal checks as a payment method in their stores. However, according to the Walmart personal check policy posted in-store, Walmart does not accept certain types of checks, such as third party, post-dated, multiple payee, or handwritten checks (even handwritten payroll checks), or checks made out to “cash.” If you need to cash one of these types of checks, you should consult the First Quarter Finance list of stores that cash personal checks.

Walmart processes personal checks electronically through TeleCheck. The customer must agree to have the check processed electronically in order to use it for payment. This method reduces risk to Walmart that bad checks will be accepted. It also reduces risk to the customer of stolen bank account information since the customer’s check does not remain in the store.account.

Can You Pay with a Check at a Self-Checkout?

There is no option to pay by check when using a self-checkout. To pay via check, you must go to a traditional checkout so your check may be read by a card reader — which the self-checkout lanes do not have.

This information was obtained by calling Walmart customer service, as this information is not posted anywhere on Walmart.com.

What Type of ID Is Required When Writing a Personal Check?

According to the Walmart check writing policy posted in-store, the types of IDs accepted are a driver’s license, state ID card, military ID, U.S. passport or a social security card and a picture ID. The use of a foreign passport is at the discretion of the manager of each individual Walmart location.

You cannot send a personal check with just anyone else to use at Walmart. Only someone who’s name is listed on the check can use the check. Even if a person’s name is on the checking account, their name must also appear on the check or else it cannot be used. ID is required.

The exception to the name rule is with business checks. An employee can use a business check at Walmart without having their name listed on the check. ID is still required.

What is TeleCheck and How Does It Work?

When a personal check is written to pay for a purchase, Walmart uses a company called TeleCheck (or at some locations, a similar company called Certegy) to process the check electronically. Walmart posts a statement in its checkout lanes that by paying for purchases with a personal check, the customer consents to the check being processed in this way.

The information from the check — such as the routing number, bank account number, and amount of the transaction — is used by TeleCheck along with identifying information about the customer to determine whether the check will be accepted. TeleCheck analyzes the information to determine the risk to Walmart that the check won’t be paid. The process looks for either previous unpaid checks or potential signs of fraud related to the account.

This means that the check could actually be declined even when there are sufficient funds in the bank account if there are other risk factors that point to potential fraud. According to TeleCheck, even something seemingly innocent such as a bank account number not seen by TeleCheck before could be a risk factor that could possibly lead to the check being declined. If the system declines a personal check, the customer can contact TeleCheck for information on why the check was declined.

Once TeleCheck has accepted the check, the customer signs a receipt, much like a receipt is signed when paying with a credit card. This authorizes TeleCheck (or Certegy, again depending on the Walmart location) to deduct the transaction amount electronically from the customer’s bank account and also acknowledges the related insufficient funds policy. A copy of the receipt, along with the original check, will then be returned to the customer.

Can You Cash a Check Without ID?

Can you cash a check without an ID at Walmart? No. A valid ID is required when paying with a personal check or business check at Walmart.

Can I Use a Check if My Name Doesn’t Appear on the Check?

Yes. But you must be an authorized user of the checking account in order for this to work. You must also have a suitable form of ID: driver’s license, state ID card, military ID, or a social security card and a picture ID. What happens is you write the check, hand it to the cashier along with your ID, the cashier runs the check and your ID information through the Telecheck system. Telecheck will match your ID with the list of authorized uses for the checking account. As long as there’s a match, the check will go through and you’ll be on your way. So, yes, you can use a check even if your name doesn’t appear on the check. Just make sure you’re an authorized user.

How Long Does It Take for the Money to Be Deducted from the Bank Account?

When a personal check is processed electronically, it normally takes approximately one to two business days for the money to be deducted from the customer’s bank account. It’s also important to note that according to Walmart’s posted policy, it’s possible that the money will be deducted as quickly as the same day of the transaction.

What if There’s Not Enough Money in the Account?

Walmart’s check policy posted in-store in the checkout lanes states that if there is not enough money in the customer’s bank account at the time the check is presented for payment, the customer will be charged a returned check fee of $35.00. Both the returned check fee and the original payment amount will then be deducted from the account by EFT or bank draft. The customer agrees to this policy by signing the receipt at the time of payment.

Having your check denied even if you have sufficient funds…

This can and does happen.

Walmart uses TeleCheck to approve/decline your check. Typically, if you have sufficient funds in your account, the check will be approved once it’s processed through the machine at the cash register. But sometimes checks are declined. That’s because TeleCheck has deemed your check to be a risk. According to the TeleCheck website, there are “100s of variables” that go into having your check approved/denied. If declined, TeleCheck will provide you with up to three major reasons why the check was declined.

If you are declined, despite having the funds, it’s due to TeleCheck’s ‘Risk Decisioning’. To read the above information (with more detail) officially on the TeleCheck website, click this link.

Is Cash Back an Option When Paying by Check?

If a you want cash back and are paying by check at Walmart, the customer can write the check for up to $20.00 over the purchase amount and receive cash back. This is according to the policy posted in-store. If you need more than $20.00 cash back, you could pay with a credit or debit card instead and receive up to $100.00 per transaction.

What’s the Maximum Number of Checks You Can Write at Walmart Per Day?

According to Walmart and TeleCheck, there is no maximum number of checks that can be written at Walmart per day. However, where you could run into problems is with your bank/credit union. The institution could find a large number of checks being processed to be suspicious and could suspend your account. If you plan on writing more than five checks at Walmart per day, it’s wise to call your bank/credit union ahead of time so your account won’t be frozen.

What Other Stores Accept Personal Checks?

The majority of major retailers accept personal checks as payment. Below are examples of some of the many stores that take checks as payment:

Most major retailers accept checks, but some, like Walmart, will process the checks electronically to reduce their risk of accepting bad checks.

Can You Cash Personal Checks at Walmart?

Walmart does not cash personal checks. However, Walmart does cash many other types of checks for a fee. Walmart will cash most printed checks up to $5,000 ($7,500 from January – April). There is a fee of $3 to cash checks up to $1,000 and a fee of $6 to cash checks in the amount of $1,000 to $5,000.00/$7,500. The amount of the cashed check can either be received by the customer in cash or loaded onto a Walmart MoneyCard.

What Types of Checks Does Walmart Cash?

You can cash tax refund checks, cashier’s checks, insurance settlement checks, payroll checks, 401(k) checks, other forms of retirement distribution checks, and MoneyGram money orders that were purchased at Walmart. The maximum amount per check is $5,000 ($7,500 from January to April). Read this officially on this page of the Walmart website. Checks can be cashed at any checkout lane.

Can You Cash a Tax Refund Check at Walmart?

Yes — Walmart can be a great place to cash a tax refund check. Just bring in your tax refund check to your local Walmart, head to the Money Services counter or customer service desk, and let the attendant know that you have a tax refund check to cash. (You can also have your check cashed right at your checkout lane, but for checks in a large amount, you might have an easier time at the Money Services or customer service desks.)

While the regular limit for cashing a check at Walmart is $5,000, the limit is bumped up to $7,500 for the months of January, February, March, and April (the time when people typically get their tax refunds). The fee for this service, like the fee for all Walmart check cashing, is $3 for checks up to and including $1,000, and $6 for checks over $1,000 and up to $7,500. The amount of the cashed check can either be received by the customer in cash or loaded onto a Walmart MoneyCard.

Keep in mind that any check cashed at Walmart will need to be verified by Walmart’s check verification system, TeleCheck. Read more about how TeleCheck works below.

What Types of Checks Does Walmart Not Accept or Cash?

Walmart does not accept or cash starter checks in any way, shape or form. This information is not posted anywhere on Walmart.com but it is posted next to the service desk at every Walmart location. Walmart also does not cash checks that are more than 180 days old, altered checks, expired checks, post dated checks, non-MoneyGram money orders, savings bonds checks. It is up to the store manager whether or not a location will accept a convenience check/credit card check.

In Summary

The Walmart personal check policy is a touch complicated. But after reading this article, you know everything there is to know about the Walmart check writing policy. And of course, this information will be reviewed on a bi-weekly basis so it will always be accurate.