If you’re looking for a place to cash a check at an odd hour, you don’t have a bank account, or you simply prefer the convenience of cashing your checks while running other errands, you can cash most types of checks at Walmart for a small fee. Below, we provide the details of Walmart’s check cashing policy, including its limits, check verification system, and the types of checks it won’t cash.
Walmart Check Cashing Policy
During regular store hours, you can cash checks at any Walmart customer service desk or at a Money Services center. Cashable check types include:
- Business checks
- Cashier’s checks
- Government checks
- Insurance settlement checks
- Payroll checks
- Pre-printed 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.)
- Two-party personal checks
Walmart typically limits most checks it will cash to $5,000 ($7,500 during tax season, which is from January to April), and the limit for two-party personal checks is $200. Customers cashing checks are also limited to three transactions per day. Note that individual stores may set lower limits, so you might want to check with your local store before bringing in large checks.
For most pre-printed checks up to $1,000, the fee is limited to $4; for checks over $1,000, the maximum fee is $8. For two-party personal checks, the maximum fee is $6.
To avoid fees, we also have the list of places that cash checks for free.
Walmart will only allow you to cash a check that is made out to you, and the store will verify your identity before cashing your check, so you should bring a valid ID with you.
At most Walmart locations, your check will be processed electronically through TeleCheck, a check acceptance company. A few Walmart locations use Certegy, a similar check authorizing service. Walmart uses a scanning machine to read checks, so be sure your check is free of wrinkles, tears, and 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, including the 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 could be denied if you haven’t cashed 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.
If Certegy declines your check, there’s nothing that Walmart can do to override the decision. You can request your file from Certegy by phone, fax, or mail — if you find that any information in the file is inaccurate or incomplete, you have the right to dispute it with Certegy.
If you’re worried that your check may be denied, we have the list of check cashing places that don’t use Telecheck or Certegy.
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 listing places that cash handwritten checks.
- Personal checks, checks made out to cash (We list the places that cash personal checks.)
- Third-party checks (Find out where to cash a third-party check in our article listing places that cash third-party checks.)
- Starter checks
- Savings bonds checks
- Altered checks
- Checks more than 180 days old
- Expired checks
- Post-dated checks (Our related research explains where you can cash a post-dated check.)
- Non-MoneyGram money orders (We list where to cash a Western Union money order or USPS money order.)
- Comdata Checks/Comcheks (as previously reported)
Due to state laws, Walmart also cannot cash any checks in New York and New Jersey.
How to Cash a Check at Walmart
To cash a check at Walmart, you don’t need to make a purchase, you don’t need to register with the store, and you don’t need to have a bank account. Simply bring the check and a valid, government-issued ID to your local Walmart customer service desk or MoneyCenter. You may also be asked to provide your social security number when cashing a check.
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.
The Walmart MoneyCard is a prepaid Visa debit card that you can use anywhere Visa debit cards are accepted. You might prefer the MoneyCard because it can be safer than carrying around large amounts 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. Additionally, when you cash a check at Walmart and load it into a MoneyCard, the typical reload fee is waived.
Our article lists Walmart’s typical MoneyCenter hours. We also have information about Walmart Neighborhood Market’s policy for check cashing.