Walmart Check Cashing Policy: Hours, Limit, Fees, and More

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.

In This Article

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:

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.

Suggested article: Walmart Neighborhood Market’s Policy Regarding Check and Money Order Services

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
  • Fees:
    • 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:

  1. The record number provided on you 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

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.

Suggested Articles: Does Kmart Use TeleCheck? Store Policy on Check Processing Detailed and Does Walgreens Use TeleCheck to Verify Checks? Answered

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, 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.

Leave a Comment

We respond within 24 hours.

Terms of Use

32 comments

  • Christine says:

    Is the limit $5000.00 even if you are having the check placed on a card? My check is $5140.00

  • Name* (displayed publicly) says:

    I went to 2 different Walmarts to cash my (USPS) payroll check a couple weeks ago. I was told Walmart will not cash post office checks anymore. Is this true? I get paid again tomorrow and need to cash my check.

  • N. Andreoli says:

    Hello i just received a check for $2500 from my insurance company Geico as a payoff for my totalled vehicle that was in an accident. The check is issued from a Bank of America out of Connecticut and I live in CA. Will I be able to cash my check? Thank you.

    • Laura Bachmann says:
      First Quarter Finance logostaff

      Hi Tasha,

      Yes, you can. Walmart doesn’t have restrictions on the number of checks you can cash per week.

  • I lost my ID and have ordered a new one but I need to cash my check from work I have my ssn card what else can I use I D is gonna take to long to get here need check cashed be for 14 days

    • Laura Bachmann says:
      First Quarter Finance logostaff

      Hi TT,

      You must show an ID (typically government issued, and with your photo) to cash a check. This is an important protection against check fraud. If you must cash a check without an ID, you’ll have to think out side the box. One of the easiest options is to deposit the check into your own bank account, wait a day or two for the check to clear, and then withdraw the money. If you don’t have a bank account but have a prepaid debit card, you might be able to use the card’s associated app to mobile deposit your check, and then withdraw the cash at an ATM. If you have a friend or family member you’d trust with the check, you could sign the check over to them and have them cash it for you. We’ve written more about this option: Where Can I Cash a Third Party Check. Sorry we couldn’t give you better news!

  • Patrick Limon says:

    On my drivers license my first, middle, and last name are listed in that order. On my payroll check it is addressed to me with middle then last name. I’ve never had any issue cashing my checks until one employee told me she could not not because it was not the same as what is on my drivers license (the order). Is this true? I asked for a manager and he over ruled her decision but she informed she will not do this for me next time and I would need to get this fixed. I have a valid ID and a SS card that I bring. I have to enter my SSN as well so I believe I have everything they ask for. I just want clarification as to why it was ok with the manager but the not the cashier who refuses to cash it next time.

    • Rebecca Turley says:
      First Quarter Finance logostaff

      Hi Patrick,

      You will find that while Walmart has general policies regarding check cashing, it is ultimately up to the discretion of the store manager whether to accept your check. Quite frankly, it is not up to the cashier whether or not to accept your check. Because the store manager overruled her decision, you can continue to get manager approval if she cashes your check next time. Fortunately, your payroll/HR manager should be able to clear this up and have your name appear correctly on your payroll checks so you won’t have to worry about this in the future.

  • I took out a loan against my 401k from Fidelity for $3,625.00. They are mailing me a check. Will I be able to cash it at Walmart?

    • Kathleen Wilson says:
      First Quarter Finance logostaff

      Hi Joe,
      Good news – Walmart does cash 401(k) checks! Your check is below Walmart’s $5,000 limit, so you should be able to cash it without a problem. Hope this helps!

    • Kathleen Wilson says:
      First Quarter Finance logostaff

      Hi Sarah,

      Walmart’s Money Center hours vary based on location. Your safest bet is to contact your local Walmart to ask about their Money Center hours so you won’t make a wasted trip. You can use this store finder to locate your closest Walmart Money Center and give them a call. For more information on Walmart’s Money Center, you can also see this First Quarter Finance article.

    • Laura Bachmann says:
      First Quarter Finance logostaff

      Hi Adrian,

      No, you won’t be able to cash it. The only exception might be from January to April when (most) Walmarts raise the check cashing limit to $7,500 to accommodate people with large tax refund checks. You might be able to cash the check during that time frame. Most grocery stores won’t cash checks as large as yours.

      You could the check cashing policy of the bank on which the check was drawn. Even if you aren’t their customer, many banks will cash checks they issued. And, since the issuing bank has the account that the check is associated with, the bank can more accurately assess the riskiness of the check and therefore have a higher check cashing limit.

  • Veronica says:

    Hi, I have a check of $4500 from United Bank, VA. I am in Jackson, MS. Can i Cash the check sent in my name at Walmart the same day?
    Or do i need to deposit it into my account at Fort Sill National Bank?
    The check was purchased on the 16th August, 2017 and I will have it by the 21st August,2017.
    Please Advice.
    Thank You

    • Laura Bachmann says:
      First Quarter Finance logostaff

      Hi Veronica,

      This sounds like a cashier’s check, is that right? You can cash the check at Walmart, the fee will be $6 and you will have to present an ID. If you deposit the check into your bank account at Fort Sill National Bank you won’t have to pay the $6 fee, depositing a check into your own account is free. However, if you choose to deposit it, you probably won’t have access to all of the funds immediately. Banks usually make only part of large checks available, and amounts over that minimum take a couple extra days to clear. You’ll have to check with your bank for specifics. Additionally, I see that your bank charges for check cashing. I would still recommend contacting your bank to see what they would charge to cash this particular check, the fee might be lower than at Walmart because it’s your own bank.

    • Laura Bachmann says:
      First Quarter Finance logostaff

      Hi Veronica,

      This sounds like a cashier’s check, is that right? You can cash the check at Walmart, the fee will be $6 and you will have to present an ID. If you deposit the check into your bank account at Fort Sill National Bank you won’t have to pay the $6 fee, depositing a check into your own account is free. However, if you choose to deposit it, you probably won’t have access to all of the funds immediately. Banks usually make only part of large checks available, and amounts over that minimum take a couple extra days to clear. You’ll have to check with your bank for specifics. Additionally, I see that your bank charges for check cashing. I would still recommend contacting your bank to see what they would charge to cash this particular check, the fee might be lower than at Walmart.

      • Veronica says:

        Will it be OK to cash a cashier check which was bought a month ago at Walmart? Assuming I purchased a check on the 3rd August last month. Will I still be able to cash it at Walmart at anytime or do I need to get it to FSNB.

        • Kathleen Wilson says:
          First Quarter Finance logostaff

          Hi Veronica,
          Cashier’s checks don’t have expiration dates unless the bank/credit union specifies a guaranteed-funds time frame. This time frame is often printed on the check itself.

          If your cashier’s check was purchased on August 3, 2017, it should still be valid and you should be able to cash it at Walmart or your local bank. If you have any doubts, you can always call the place that issued the cashier’s check to make sure it’s still valid.,

  • Name* (displayed publicly) says:

    Hello, can i cash a check from my attorney which is from his local office as my work comp. settlement check?

    • Laura Bachmann says:
      First Quarter Finance logostaff

      Hi,

      Good question. I’m assuming your check is handwritten because it’s from your attorney. If that’s correct, you can’t cash it as Walmart. If it’s not handwritten then it may count as a regular settlement check, in which case you should be able to cash it at Walmart. If it’s not handwritten and you want to call your local Walmart ahead of time to double check, here’s a tip: dial 0 to skip the menu and go straight to customer service.

  • I just tried to cash a retirement distribution check for $4500 and Walmart told me they could not do it. They said the max that they can cash is $3,000. Very frustrating when they state they can cash up to $5,000.

      • Thank you! I checked their website prior to going to the store and they ran it through the computer and it would not take it. It’s so frustrating because they have all of these guidelines yet, they don’t train their employees. Half of them don’t even know what the rules are. I wonder if it varies by store.

        • Rebecca Turley says:
          First Quarter Finance logostaff

          Hi E,

          Because Walmart stores are not individually owned franchises, policies should be the same from one store to the next. Unfortunately, a lack of training is often to blame.

    • Laura Bachmann says:
      First Quarter Finance logostaff

      Hi Cmp,

      Yes, you should be able to cash a $4,000 check from Vanguard Prime at Walmart. Expect to pay a $6 fee for cashing your check.

        • Lindsey Desmet says:
          First Quarter Finance logostaff

          Hello, Lolo! May we ask what type of check you were cashing that had a fee of $16, and in which state? Walmart lists its current fees as $4 for checks up to/including $1,000 or $8 for checks above $1,000. We’d like to investigate further. In the meantime, we have updated our article to include the current fees.