Walmart has become the one-stop-shop for millions of Americans, so it’s no surprise that this mega-retailer offers customers a slew of financial services. You’ve probably seen signs for the Money Center at your local Walmart, but do you know the many services offered there? Keep reading to find out about the many financial services Walmart’s Money Center provides and the hours of the day — and night — when you can take advantage of them.

In This Article

What Is the Walmart Money Center?

Walmart provides a long list of financial services through their Money Center. The Money Center provides basic money services like check cashing, but it also provides financial services focused on everything from money management to tax preparation. Some services have fees attached, others are free. While most services are available in-store, you can access some services online.

Not every Walmart offers money services, so you can use the Walmart store finder to locate your closest Money Center.

Walmart Money Center Hours

No information exists on Walmart’s website regarding Money Center hours. While you can search for your local Walmart using the Store Locator feature and view deli hours, pharmacy hours, and in-store pickup orders, Money Service hours are not listed.

Based on the lack of information on Walmart’s website, we called several Walmart stores throughout the Pittsburgh, PA area and asked about their Money Center hours. In all cases, the Money Center opens between 7 AM and 8 AM (even on Sunday’s) and closes between 8 PM and 10 PM, regardless of the store’s hours. We talked to a Money Center associate who told us that Money Center hours do not vary on weekends or for most holidays.

We were also told by several associates working at the Money Center that if they are short-staffed, they will close the Money Center. One of the associates also told us that there is usually just one associate working at the Money Center; therefore, they close the Money Center at intervals throughout the day to accommodate associate breaks.

Note that while check cashing can be done through the Money Center, you can also cash your checks at any of the open Walmart registers. You can easily find additional information about Walmart check cashing policy: hours, limit, fees, and more. Tax prep services, although they are advertised as being part of the Money Center, are actually offered by outside tax prep services companies, such as H&R Block. During tax season, these accounting companies set up booths separate from the Money Center and provide tax services at various hours.

The moral of this story? Always contact your local Walmart to ask about their Money Center hours so you won’t make a wasted trip.

The List of Services (Money Transfers, Check Cashing, Etc.)

Here is a list of the services offered through Walmart’s Money Center (in-store and/or online):

1. Bluebird

  • Service: Bluebird is a financial account with flexible features that allow you to manage your money. The services include free direct deposit, online and mobile bill pay, free ATM access, and mobile check deposit. This is not a bank account, but rather a banking alternative.
  • Cost: You can buy your Account Set Up Kit in Walmart stores for $5. Checks from Bluebird cost $19.95. Additional fees may apply.
  • Source + More Information 

2. Check Cashing

  • Service: Walmart’s in-store check cashing service allows you to get cash-in-hand instantly. You can also load your check onto a Walmart MoneyCard. Walmart cashes payroll checks, government checks, tax checks, cashiers’ checks, insurance settlement checks, 401(k) checks, retirement disbursement checks, and MoneyGram money orders that were purchased at Walmart. They will not cash any handwritten or personal checks.
  • Cost: $3 for checks up to $1,000; $6 for checks more than $1,000.
  • Source + More Information 

3. Check Printing

  • Service: Walmart’s online check printing service offers a variety of customizable checks, labels, and stamps. Personal check options include high-security features, a variety of check designs, and other options like basic or eco-friendly checks. Business check options include manual, computer, and high-security checks. You can also add features like fraud protection for an additional fee. You will need to provide your banking information when you register for Walmart’s check printing service.
  • Cost: A single pack of personal checks (150 checks) ranges from $6.46 to $16.96. Fraud protection costs an additional $3 per pack. A single pack of business checks ranges from $16.96 to $100+.
  • Source + More Information 

4. Coinstar

  • Service: Coinstar is a kiosk that allows you to turn your loose change into cash and e-gift cards; you can also donate your money to charity. It’s as simple as taking your loose, clean change into the store and dumping it in the kiosk to be counted.
  • Cost: If you choose the cash option, Coinstar charges you a 10.9% fee. There are no fees associated with loading your change onto an e-gift card or donating it to charity.
  • Source + More Information

5. MoneyGram Services (Bill Pay, Money Orders, Online Money Transfers)

  • Service: Walmart provides a variety of money services through MoneyGram. You can use MoneyGram’s online bill pay service to pay bills online, or you can purchase money orders in-store to send payments via mail. Money orders can be purchased in amounts up to $1,000. Both domestic and international online money transfers are available. These money transfers are sent to another Walmart store in the U.S. and Puerto Rico or can be sent internationally to MoneyGram agent locations in over 200 different countries. Learn more about Walmart to Walmart money transfers: fees, limits, hours, and tracking.
  • Cost: Fees for online bill pay vary according to the amount of the payment. Money orders cost $.70. Fees for online money transfers are dependent upon transfer destination and time sensitivity. You can estimate your fees on Walmart’s Send Money page.
  • Bill Pay and Money Orders: Source + More Information 
  • Online Money Transfers Source + More Information 

6. NetSpend

  • Service: Netspend is a prepaid Visa card that you can order online or in Walmart stores. The card is reloadable, through their Rapid Reload program, and you can choose to set up direct deposit from your paycheck or government benefits. There are three different plans: Pay-As-You-Go, Monthly FeeAdvantage, and Netspend Premier FeeAdvantage.
  • Cost: There is no cost to request a card. The Pay-As-You-Go-Plan is free, but purchases, balance inquiries, and ATM withdrawals come with fees. The Monthly FeeAdvantage Plan costs $9.95 per month, and the NetSpend Premier FeeAdvantage Plan costs $5 per month, although both of these plans offer low/no pin purchase, signature purchase, and ATM cash withdrawal fees. Check out all fees associated with each plan on Walmart’s NetSpend Visa page.
  • Source + More Information

7. Product Care Plans

  • Service: Walmart offers protection plans for a variety of products, including appliances, tools, toys, and electronics. Their most common plans provide warranties on items from two to three years and cover defects in materials and workmanship, power surges, drops, spills, cracked screens, pixel failure, damaged due to dust, heat, or humidity, and mechanical and electrical failures.
  • Cost: Varies depending on product category, type, price, and condition.
  • Source + More Information 

8. Rapid Reload

  • Service: Walmart allows you to reload certain cards, like your Netspend card or Walmart MoneyCard, by simply going to one of their registers and telling the attendant how much you want to add. The attendant will swipe your card, you can add the money, and there will be a fee.
  • Cost: Fee will be $3.74 or less for most cards.
  • Source + More Information

9. Tax Prep Services

  • Service: Walmart offers both in-store and online resources for tax prep. Walmart will help you get ready for tax season, keep up-to-date with tax policies and changes, help you organize your records, and help you fill out and file your returns. You can also cash your tax refund at Walmart.
  • Cost: Most of these services are provided online at no cost to you. You also have the option to go into Walmart locations and seek help from secondary parties like H&R Block, who often set up stations in Walmart during tax season.
  • Source + More Information 

10. Walmart Credit Card

  • Service: The Walmart MasterCard (issued by Synchrony Bank) comes with a variety of benefits. You can automatically save 3% on purchases, 2% on Murphy USA and Walmart gas, and 1% at Walmart stores and anywhere else your card is accepted. Interest rates start at 23.15%.
  • Cost: Free to sign up
  • Source + More Information

11. Walmart MoneyCard

  • Service: Walmart’s MoneyCard is a reloadable, prepaid Visa or prepaid MasterCard (issued by Green Dot Bank) that allows you to pay bills, shop in-stores and online, and request in-store cash back. You can reload your MoneyCard for free with direct deposit or through the Rapid Reload program, and you can check your balance with their mobile app.
  • Cost: Fees for Walmart’s MoneyCard include an issuance fee of $3, a reload fee of $3, and a monthly maintenance fee of $3.
  • Source + More Information 

Other Stores That Offer Money Services and Their Respective Hours

While Walmart offers a wide range of money services, you may also enjoy money services offered through other national retailers. If you’re looking for money services and Walmart’s Money Center is closed, the following retailers offer money services that may have later hours than Walmart’s Money Center:

1. Fred Meyer

2. Kmart

3. Kroger

4. Publix

5. Ralphs

In Summary

From money orders to check cashing to tax prep services and more, Walmart’s Money Center provides its customers with a wealth of financial services. Walmart Money Center hours are often shorter than store hours and can vary from one store to the next, so it’s important to call your local Walmart before heading out to handle your finances. There are also several national retailers that offer money services if Walmart’s Money Center hours do not meet your needs.