Cashing Canadian Checks at Walmart: Limits, Fees, Hours, and More

Short Answer

Walmart will only cash Canadian checks if the check is drawn on a U.S. bank in U.S. currency. Additionally, the check must meet Walmart’s check cashing guidelines for domestic checks. For more about cashing a Canadian check at Walmart, as well as other places where you can cash such checks, see below.

Does Walmart Cash Canadian Checks?

Walmart is well known for offering check cashing services for those seeking late hours, easy access, and no bank account requirements. Walmart will cash Canadian checks, but only if the check is drawn on a U.S. bank in U.S. currency.^[1] This might happen, for example, if the check is drawn on a U.S. bank that has branches in Canada. Bank of America, Chase Bank, TD Bank, HSBC, and Wells Fargo are the major banks that have branches in both countries.

Legally, Walmart can only cash Canadian checks that are drawn on an American bank, and in U.S. currency. The check must also meet Walmart’s check cashing guidelines for domestic checks — the check must not be handwritten and it must be for less than $5,000 ($7,500 during tax season). If your check meets these criteria, make sure you have a government-issued I.D. and your Social Security number.

While these check cashing requirements are strict, there are other places that cash Canadian checks that don’t need to be drawn on U.S. banks — we list these options below.

Other Places in the U.S. That Cash Canadian Checks

Most U.S. banks will allow you to cash or deposit Canadian checks; however, the convenience will cost you high fees and long holding times. If you’re looking for a simpler process, American banks with Canadian branches (or Canadian banks with U.S. branches) are typically your best bet.

The following banks have branches in Canada, which means that if you deposit your check at one of these banks, your fees will be lower and your hold times shorter.

Bank of America
Chase
HSBC Bank USA
TD Bank
Wells Fargo

Find out more about the associated fees and restrictions at these banks in our article explaining how to cash Canadian checks at U.S. banks.

Places in the U.S. That Don’t Cash Canadian Checks

Stores in the U.S. generally don’t have the ability to cash Canadian checks. Therefore, you will not be able to cash a Canadian check at many of the following locations: