William Lipovsky
Short Answer — Walmart cashes two-party checks in most states. The limit for two-party checks is $200, and you can expect to pay a fee of up to $6.
Walmart Two-Party Check Cashing Policy
Two-party checks (also known as joint checks or multi-party checks) are written out to two individuals on the “Pay to” line, and they are a bit trickier to cash than traditional checks.
Walmart can cash two-party payroll checks, government checks, tax refund checks, cashier’s checks, insurance settlement checks, and 401(k) retirement disbursement checks.
When cashing a two-party check at Walmart (or anywhere else that cashes two-party checks), it’s important to note how the two payee names are written — specifically, if they are separated by ‘and’ or ‘or’. For instance, it could read “Mr. and Mrs. Smith” or it could read “Mr. or Mrs. Smith.”
When the two names are separated by ‘and’, both people must be present to endorse and cash the check. However, if the names are separated by ‘or’, only one of the listed parties needs to be present.[1]
Limits and Fees
For traditional checks, Walmart sets the limits at $5,000 per check ($7,500 during tax season) and up to three check cashing transactions per day.[2] However, for two-party checks, Walmart sets the limit at $200.[2]
The fee for cashing a two-party check at Walmart is up to $6 per check.[2]
Process
To cash a two-party check at Walmart, you’ll need to bring the check, the second payee (if necessary), and a valid photo ID to your local Walmart customer service desk or MoneyCenter. Keep in mind that Walmart’s MoneyCenter hours can vary, so you may want to call ahead.
Two-party check cashing at Walmart is not available in Connecticut, Delaware, Florida, Hawaii, Illinois, Maryland, Minnesota, Mississippi, New Jersey, New Mexico, New York, Ohio, Rhode Island, West Virginia, or Wisconsin.[2]
You can find out more in our research about Walmart’s check cashing policy.
If you’re looking for other options, there are other grocery stores and check cashing stores that will cash a two-party check — we list where to cash two-party checks.
