Does Walmart Cash Payroll Checks? Check Cashing Policy Detailed

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Short Answer

Yes, Walmart cashes payroll checks — except in New Jersey, New York, and Rhode Island; and, in Florida, you can’t cash a payroll check that’s over $2,000. Walmart won’t cash a handwritten payroll check in any state. To cash your payroll check, you can go to a register, the MoneyCenter (Note: Not all stores have one), or, in most stores, the customer service desk. Avoid going to a register if you have a large check because the cashier likely won’t have enough cash on hand. To cash your payroll check, you must provide a government-issued photo ID. Check cashing fees are $3 for checks up to and including $1,000 and $6 for checks $1,000.01 to $5,000. You can receive the amount in cash or have it loaded on a Walmart MoneyCard. For more answers, see below.

If at any point in the article you decide Walmart isn’t right for you, you may want to check out our article that lists 30+ Places That Cash Payroll Checks (Handwritten Even).

Does Walmart Cash Payroll Checks?

Yes, Walmart cashes payroll checks — except in New Jersey, New York, and Rhode Island due to state laws. Additionally, state laws in Florida prevent Walmart from cashing checks over $2,000. Walmart will not cash a payroll check, regardless of the state and amount, if it’s handwritten.

Check Cashing Hours

Walmart MoneyCenters and the customer service desk are typically only open from 7 a.m. or 8 a.m. to 8 p.m. to 10 p.m. After hours, you can cash a payroll check at any register — even on weekends and at stores open 24 hours.

Payroll Check Cashing Limit

In Florida, the check cashing limit is $2,000. All other states where Walmart cashes checks have a limit of up to $5,000.

Check Verification Service

Before your check is cashed, Walmart will use check acceptance company TeleCheck (a select few locations use Certegy) to determine the validity of the check. If your payroll check is declined, you can contact TeleCheck at (800) 964-9490 (or Certegy at (800) 237-3826).

Fees

Walmart cashes payroll checks in amounts up to $5,000. Fees for cashing payroll checks are:

$3 for checks up to and including $1,000
$6 for checks $1,000.01 to $5,000

Where to Go Inside Walmart

You can get your check cashed at the Walmart MoneyCenter, the customer service desk, and at the register. If you have a large check, head to either the MoneyCenter or the customer service desk, as cashiers often won’t have enough cash on hand to cover it.

ID Requirement

To cash your payroll check at Walmart, you’ll need one of the following valid, government-issued photo IDs:

Driver’s license
State-issued ID
Military ID
Tribal ID
U.S. passport

How You’ll Receive the Money

Once your payroll check is verified, you can receive the amount in cash or have it loaded on a Walmart MoneyCard. You can get a MoneyCard in-store (for $3) or online (arrives at your door for free).

Other Types of Checks Walmart Cashes

In addition to payroll checks, Walmart also cashes the following types of checks:

Government checks
Tax rebate checks
Cashier’s checks
Insurance checks
401(k), retirement distribution checks
MoneyGram money orders that were purchased at Walmart

Fees for cashing these types of checks are the same as payroll checks: $3 for checks up to and including $1,000 and $6 for checks over $1,000 to $5,000. Note: The check cashing limit is raised to $7,500 from January to April, in order to allow more people to cash their tax rebate checks at Walmart.

Learn more about Walmart’s check cashing policy in our related article: Walmart Check Cashing Policy: Hours, Limits, Fees, and More.

Types of Checks Walmart Doesn’t Cash

While Walmart will cash most types of checks, the checks they will not cash include:

Personal checks (Suggested article: 30+ Places That Cash Personal Checks)
Starter checks (Suggested article: These Are the Places That Cash Starter Checks)
Altered checks
Expired checks or checks that are more than 180 days old
Postdated checks (Suggested article: The List of Places That Cash Post-dated Checks)
Savings bond checks