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 at Walmart. In this article, we’ll tell you what types of checks you can cash at Walmart, fees, limits, and more.
What Types of Checks Does Walmart Cash?
Walmart will only cash preprinted checks, which means electronically signed and filled out. As long as they’re not handwritten, Walmart will cash all of these types of checks:
- Business checks
- 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. Walmart treats out-of-state checks the same way it treats in-state checks.
After contacting customer service about whether they cash Comcheks, we did not receive a definitive answer and were advised to check with our local Walmart.
What Types of Checks Does Walmart Not Cash?
There are quite a few kinds of checks Walmart won’t cash; these checks include:
- Handwritten checks (i.e., signed and filled out by hand) (Find out where to cash a handwritten check in our article Where Can I Cash a Handwritten Check? 13 Places to Choose From)
- Personal checks, checks made out to cash (Find out where to cash a personal check in our article 32 Places That Cash Personal Checks (Stores Not Scams))
- Third party checks (Find out where to cash a third party check in our article Where Can I Cash a Third Party Check? At These Places)
- Two party checks (checks with multiple payees) (Find out where to cash one in our article Where Can I Cash a Two Party Check? At These 20 Places…)
- Starter checks
- Savings bonds checks
- Altered checks
- Checks more than 180 days old
- Expired checks
- Post-dated checks (suggested article: Places That Cash Post Dated Checks)
- Non-MoneyGram money orders (suggested articles: Where to Cash a Western Union Money Order and Where to Cash a Postal (USPS) Money Order)
- Comdata Checks (suggested article: Walmart’s stance on Comdata checks)
Due to state laws, Walmart also cannot cash any checks in New York and New Jersey.
Can You Cash a Check Not in Your Name?
No. Walmart won’t allow you to cash a check if it’s not made out to you. Walmart will verify your identity (usually by asking for your ID) before allowing you to cash a check.
Limits and Fees
Walmart will only cash up to $5,000 in checks per day. During tax season, January to April of each calendar year, this limit is raised to $7,500. You can cash as many checks as you want as long as the total amount does not exceed this limit. Some individual stores may set lower limits, often $2,000, so it’s best to check with your individual store if you have a large amount you’d like to cash.
The check-cashing fee is $4 for any check up to $1,000 and $8 for checks $1,001-$5,000. For checks above $5,000 cashed during tax season, Walmart asks that you check with customer service to find out what the fee is at your local Walmart.
You’ll 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 $4 fee on each check, for a total of $12.
Suggested Article: Where to Cash a Check for Free
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). You may also be asked to provide your social security number when cashing a check.
Previously, you could cash your check at a checkout lane, but they have recently updated their policy to only cash checks at customer service desks or the MoneyCenter. Be mindful that the MoneyCenter and customer service desk hours may be shorter than regular store hours. Walmart MoneyCenter associates indicated that it is open even on Sundays and most holidays. Find out more about MoneyCenter hours in our article, Walmart MoneyCenter Hours for Check Cashing, Money Transfers.
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.
What Is a Walmart MoneyCard and How Do You Load It With a Check?
In case you want 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 MoneyCard. The Walmart MoneyCard is a prepaid Visa debit card that can be used anywhere Visa debit cards are accepted. 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’ve loaded onto the card, so there’s no chance of incurring an overdraft fee.
Here’s what 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.
- Do you need a bank account? No
- Issuance fee: $1 if purchased in-store. You can avoid this fee if you request a card online from the Walmart MoneyCard site.
- Reload fee: $3 to $5.95. 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: $5
- How to reload: 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
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 minority of locations use Certegy, a similar check authorizing service. Walmart uses a scanner machine 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, it will be denied.
TeleCheck and Certegy both 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. The decision is based on the information in the verification system and how your check compares to all the checks that have passed through the system. This means that your check can be denied for something as innocent as not cashing enough checks for the verification system — either TeleCheck or Certegy — to build a proper file on your identity.
If TeleCheck denies your check, there is nothing Walmart can do at that time, but you’ll be given a receipt listing TeleCheck’s contact information, which you can contact for further assistance.
TeleCheck says you can increase your chances of having your check approved in the future by providing them with:
- The record number provided on you decline receipt
- Your driver’s license number and the state where it was issued
- The banking numbers printed along the bottom of your check
- Your Social Security number, if you were referred by a financial institution
If Certegy declines your check, there’s 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 mail.
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, which lets you load the funds from your check directly onto the card. As long as you remember to bring a valid ID with you and only try to cash an approved check — remember: no handwritten checks allowed — your check cashing experience at Walmart should be hassle-free.