If you’re looking for a place to cash a check at an odd hour, just don’t feel like running to the bank, or don’t have a bank account, you can cash most types of checks at a checkout lane at Walmart. Walmart has made cashing a check pretty quick and easy. We’ve covered everything you need to know about Walmart’s check cashing policy…

In This Article:

  • What Types of Checks Does Walmart Cash?

  • What Types of Checks Does Walmart Not Cash?

  • Limits and Fees

  • What Check Authorization Service Does Walmart Use?

  • How to Cash a Check at Walmart

  • Can You Cash a Check Not in Your Name?

  • What Is a Walmart MoneyCard and Why You Might Want One?

What Types of Checks Does Walmart Cash?

Walmart will cash the following types of preprinted checks unless management at an individual store has made an exception:

  • Cashier’s checks
  • Government checks
  • Insurance settlement checks
  • Payroll checks
  • Tax refund checks
  • 401(k) or retirement distribution checks
  • MoneyGram money orders that were purchased at Walmart
  • Out of state checks

Note that due to state laws, Walmart cannot cash checks in New York and New Jersey.

What Types of Checks Does Walmart Not Cash?

There are quite a few kinds of checks Walmart won’t cash. The following is a complete list. If you think that your check might fall into one of these categories, but you aren’t sure, check with the customer service desk to see if your check meets Walmart’s criteria. You can also find this list posted at the service section at every Walmart location:

  • Personal checks
  • Altered checks
  • Checks more than 180 days old
  • Expired checks
  • Post dated checks
  • Starter checks
  • Savings bonds checks
  • Non-MoneyGram money orders

Yes, it’s true, Walmart does not cash personal checks.

Limits and Fees

Walmart has a daily limit to the amount of cash you can get from a check and charges a fee based on the amount. The check cashing limit is $5,000, except during tax season, January to April of each calendar year, when the limit is raised to $7,500. You can cash as many checks as you want as long as the total amount does not exceed the daily cashing limit.

The check cashing fee for any check up to $1,000 is $3 and for checks between $1,001-$5,000 the fee is $6. For checks above $5,000 cashed during tax season, Walmart does not list the fee and asks that you check with customer service to find out what the fee is at your local Walmart. However, according to several customers on various money forums, the maximum fee seems to be $6, even for checks up to $7,500. You will be charged a fee for each check you wish to cash. So if you bring in three checks each written for less than $1,000, you will have to pay the $3 fee on each check, for a total of $9.

Walmart will deduct the check cashing fee directly from the amount written on your check, so be sure to include it in the total if you need to cash a certain amount of money. For example, if you need $100 in cash, write out $103 on the check instead of just $100 or you’ll end up with only $97 in cash.

What Check Authorization Service Does Walmart Use?

In order to cash a check at Walmart, the cashier will have to verify that your check is valid. At most locations, the check will be processed electronically through TeleCheck, a check acceptance company. A small number of locations use Certegy, a similar check authorizing service. The process will be the same regardless of which your local Walmart uses.

TeleCheck will use the information from your check such as routing number, bank account number, and the amount of the transaction, along with your identification to either approve or deny your check. Walmart uses TeleCheck to assess the risk to the company that the check won’t be paid and to combat fraud. Walmart uses a printer type device to read checks, so be sure your check is free of wrinkles, tears, or smudges near the numbers on the bottom of the check, otherwise, your check will be denied as there is no way for Walmart to manually enter the information.

TeleCheck’s decision is based on the information in its files and how your check compares to all the checks that have passed through TeleChecks’s system. This means that your check can be denied for something as innocent as not cashing enough checks for TeleCheck to build a proper file on your identity. Several customers have reported that their checks were denied the first time they ever tried to cash a check at Walmart. If TeleCheck denies your check, there is nothing Walmart can do and you will be provided with a receipt listing TeleCheck’s contact information.

TeleCheck says you can increase your chances of having your check approved in the future by helping the company establish a positive file for you. TeleCheck can update your file (which should improve your chances of your future checks being approved) if you provide them with the following information:

  1. The record number provided on decline receipt
  2. Your driver’s license number and the state where it was issued
  3. The banking numbers printed along the bottom of your check
  4. Your Social Security number, if you were referred by a financial institution

Note that TeleCheck will have to verify the above before updating your file and the company may ask for additional information.

Certegy works very similarly to TeleCheck and will run your information through proprietary risk models that look for previous transactions that resulted in losses for merchants using Certegy’s service. Certegy says that the company cannot disclose what those risk factors may be as it would give people a way to bypass its system. The decision to decline or accept your check is not based on your credit score but on the information in Certegy’s database and a statistical analysis of your check compared to all checks that have gone through its system.

If Certegy declines your check, there is nothing that Walmart can do to override the decision. You can request a free copy of the file that Certegy has on you either once a year or within 60 days of the date your check was declined. If you find that any information in the file is inaccurate or incomplete, you have the right to dispute it with Certegy. You can request your file from Certegy either by phone, fax, or by mail.

How to Cash a Check at Walmart

You don’t need to make a purchase, no registration is required, and you don’t need to have a bank account to cash a check at Walmart. All you need to do to cash a check is provide your check along with a valid form of ID (driver’s license, state ID card, military ID, tribal ID, or U.S. passport). Though you may be asked to provide your social security number when cashing a check.

Usually, you will be able to cash your check at any checkout lane. However, you may have to cash your check at the customer service desk if you are cashing a large sum of money or the checkout register does not have enough cash on hand.

After the cashier approves your ID, authorizes your check, and you pay the check cashing fee, you have two options for receiving your funds: take the cash immediately or load some or all of it onto a Walmart MoneyCard.

Can You Cash a Check Not in Your Name?

No. Walmart will not allow you to cash a check if it is not addressed to you. Because Walmart needs to verify your check using your identity, no one else can cash a check for you. This is also one reason Walmart will sometimes ask for your SSN, in addition to an ID, before they will cash your check.

What Is a Walmart MoneyCard and Why You Might Want One?

In case you would like to cash a check at Walmart but don’t want to carry around cash afterward, you have the option of loading the cash onto a Walmart Money Card. The Walmart MoneyCard is a prepaid Visa debit card offered through Walmart that can be used anywhere Visa debit cards are accepted. Like other prepaid debit cards, the Walmart MoneyCard is a good option for anyone who is unable to get a traditional checking account through a bank.

You might prefer the MoneyCard because it can be safer than carrying around a lot of cash. Unlike a regular debit card, you can only spend what you have loaded onto the card, so there is no chance of incurring an overdraft fee. Here is everything you need to know about the Walmart MoneyCard.

  • Requirements: Walmart will ask you for your (1) name, (2) address, (3) date of birth, (4) Social Security number, and (5) other information that will help identify you as necessary. You may be asked to show a valid form of ID. Generally, you must be at least 18, but minors age 17 and 16 can get the card with parental permission.
  • Is There a Credit Check? No. However, due to federal law, Walmart is required to obtain, verify, and record information that identifies each person who opens a Card Account.
  • Do You Need a Bank Account: No
  • Are There Any Fees: Yes, there are few different fees associated with the card:
    • Issuance fee: $3 if purchased in-store. However, you can avoid the issuance fee if you request a card online from the Walmart MoneyCard site.
    • Reload fee: $3, the reload fee will be waived if you sign up for direct deposit or you load your cashed check directly onto the card. Note that you will still have to pay any check cashing fees.
    • Monthly maintenance fee: $3
  • Where Can You Use the MoneyCard: The MoneyCard can be used anywhere Visa debit cards are accepted such as grocery stores, department stores, gas stations, hotels, airlines, online retailers, etc.
  • How to Reload the MoneyCard: The MoneyCard can be reloaded with:
    • Cash at a Walmart checkout lane
    • Checks, either in-store with any of the types of checks listed above or through a photo uploaded to the Walmart MoneyCard app (personal checks can be loaded through this method)
    • Direct Deposit
    • Bank transfers
    • Tax refunds
    • Walmart check cashing

In Summary

With Walmart’s check cashing process, you can have your money in a few minutes. If you don’t want to carry around your cash, you might want to look into getting a Walmart MoneyCard. As long as you remember to bring a valid ID with you and only try to cash an approved check, your check cashing experience at Walmart should be hassle free.