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153 comments

  • I need to get my layaway off but dont get paid until Wednesday could I possibly write a post dated check for Wednesday or will I have a few days before it hits the bank?

  • Hi, I need help – badly!
    There was a huge bank error where an overdraft line of credit for $500 was added to my joint checking acct w/my 16 year old – the man handed me 4 temp Checks; I loaded my car up & drove for 5 hours the following day … and when I arrived in my new city wrote these 4 checks to Walmart over the next week – totaling around $400. WELL, the next week I see that the account is terribly overdrawn, Ooooops-my bank cannot add that overdraft protection because my 16 year old is the “primary” on that checking account!! So, I now owe Walmart $400 + 4 NSF Fees of $35!! I have a few questions, because nothing like this has ever happened to me before. I went to the local Walmart trying to resolve it thru Customer Service, but of the 4 managers I spoke with, not one of them had a clue …. about much.
    1)Is this NOT considered theft?? I wrote checks for products & the checks were not paid … that sounds like theft to me… who at Walmart can I speak to about this? I don’t want to have criminal charges filed against me. (The checks were written 90 days ago)
    2)Do I call TeleCheck to settle the matter & not Walmart?
    Any other help that anyone can provide I would really appreciate. The bank waived/reimburrssed me my $400+ in NSF Fees due to their error ….but I have not written paper checks in many, many years …. and I don’t have a clue how things are handled in 2017.
    I’m currently homeless & applying for jobs that will most definitely conduct Credit & Background Checks …. and there is no way that I can afford this colloausel mess-up on behalf of my bank to cause me not to get a job. 🙁

  • I went to Walmart today and realized at the checkout that my husband had my bank card so I wrote a check. No one seemed to have a pen so the cashier didn’t have me sign it. It went through no problem. Is that going to cause an issue? I’ve never written a bad check in my almost 40 years and now I’m paranoid.

  • I wanna write a check to walmart for my kids Christmas but i want have the funds in my account to cover it? Will i get in trouble if i write it anyways?

  • Hello- I wrote a check and it bounced. I take full accountability and I want to know if they will re-run the check a 2nd time through my bank? Or should I call Walmart to resolve? I actually called and haven’t received a call back yet.

  • I have written a few checks thinking they would clear but they didn’t. I don’t want them sent back to bank and would like to take care of them outside bank. They will charge me overdraft fee again. They were at Heath and Newark Ohio location. Please advise.

    • Hi Elizabeth,

      If the checks have already been declined for non-sufficient funds, Walmart will charge you an over draft fee and attempt to withdraw the money again. Your best bet is to make sure you have enough money in your account to cover the checks, so that you won’t incur additional overdraft or non-sufficient funds fees.

  • I have a question about writing a check at Walmart. A few years ago I wrote a check and it bounced although my bank covered it. Recently I tried to write a check and was told they would not honor it because I bounced a check. I do not remember when I did this nor the amount. Is there anything I can do?

    • Hi Lynda,

      Walmart uses either Telecheck or Certegy to verify checks. Did they scan your check in a machine when you tried to pay with it, and then tell you they couldn’t accept it? That machine was either Telecheck or Certegy, and the cashier should have printed out a receipt and given it to you. The receipt has the contact number for either Telecheck or Certegy. These companies assess the riskiness of your check. They could be storing information about whether you’ve ever had a check bounce before, and that could be preventing you from using checks again. You’ll want to call the number on the receipt to sort this out.

      • Hi again Laura,
        That is the problem. I rarely write checks at Walmart (only if I don’t have cash on hand) and the last time I did was about 3 to 5 years ago. I don’t have the receipt, or check number. Is there anything I can do?

  • Hi, I wrote a check in June and now it’s October. Walmart has sent that check through 3 times, twice in September alone and and I thought they’d only send it through once since it bounced. I’ve been charged the $35 NSF bank fee three times. Is it normal policy for them to send it through repeatedly like that? I should have gotten a letter by now or a phone call. Where do I call to pay this and stop it going through another time! I read somewhere that each time it bounced Walmart also charged the NSF fee of $30, so that’s $90!

    • Hi Mary,
      It does seem odd that Walmart has sent the check through three separate times and that it’s bounced each time without you getting a notification. Your best plan of action is to contact your bank directly and request that they issue a Stop Payment on the check. Explain what’s going on and see if they can’t also remove the additional NSF fees, since you’ve been charged multiple times for the same check — and without notification.

  • My lawyers received a settlement check from GEICO. They deposited the check into their escrow account until it cleared before issuing me a check. Is the check I received from my lawyers considered a “personal” check or a settlement check? I’d like to cash it at Walmart.

    • Hi Mason,

      These checks from attorneys are often business checks because they’re written against the law firm’s business checking account. If the check is pre-printed, you can probably cash it at Walmart. Walmart never cashes handwritten checks.

  • I wrote a check on August 31, 2017 at Walmart and they did it electronically and Bank of America took the monies out too. I have had the monies taken out twice from my account and need to make sure you guys refund me one for $191.48 check number #1759. My number is 303-210-9357.

    • Hi Donna,

      Sorry, we aren’t affiliated with Walmart. You can contact Walmart by email or phone to try to get your check refunded. If you have trouble getting answers with the corporate number and email provided at Walmart’s contact page, you could also try talking to customer service at the store where you made the purchase.

  • Hello, I used a check to pay for my purchase at Walmart on the 14th of this mth (September). I was just checking my account and they still have not tried to cash the check. It’s been a week. Should I call someone? Or wait little longer? Not sure why it’s taking so long

    • Hi Kay,
      After doing a bit of digging around online, it looks like Walmart usually processes checks electronically, meaning the cash is withdrawn from your account almost immediately. Some people report that it takes 2-3 days for the funds to be withdrawn from their account though. Either way, it’s been 9 days since you paid, so your account should have been debited by now. It definitely wouldn’t hurt to call Walmart customer service at (800)925-6278 to see if they can help figure out what’s going on.

  • Jim,

    It was this past June 28th my house was broken into and the thieve or thieves stole a book of my personal checks. The thieve or thieves have cashed several checks at two different Wal-Marts without having the proper ID. I have my driver license so how is it that Wal-Mart has allowed checks to be cashed without the proper ID? The other issue is the thieve or thieves used one of my checks to return goods at the Wal-Mart store in return got cash back, how is this even possible? I had not choice but to place a seize on checking account because the person or persons who stole my personal check book was cashing checks in two different Wal-Marts like it was their checking account. I have provided TRS Recovery Services with the police report which indicated the thieves stole my personal check book, I provide the recovery services a letter from my bank about the fraudulent checks, as well a letter from landlord that her house that I rent was broken into on June 28th of this year. The problem is that TRS Recovery is still demanding payment for two checks which were part of the stolen checks. What should I do since the recovery services is still demanding payment for the stolen checks.

    • Hi Jim,

      Sorry to hear your house got broken into! This sounds like a very difficult situation. Walmart doesn’t cash personal checks, so the thieves couldn’t have simply cashed any checks. I assume that they bought things and paid with checks. This usually also requires an ID, but, if you’ve paid with a check at Walmart in the past, you might still have been in Walmart’s system that records check writing history. If that was the case, the system might not have prompted the cashier to ask for an ID. If you hadn’t used checks at Walmart before, I think you should call this Walmart and find out why they accepted that check.

      I would recommend closing and reopening a new checking account with your bank, rather than just putting a seize on the account. Reopening is the most effective way of ensuring that they won’t use any of your stolen checks in the future.

      How much legal protection you have for liability on the checks depends on how quickly you notified your bank about the theft. If you let the bank know within two days, you might not be liable for the purchases. But, if you took longer, you can be liable up to $500. You can see the FTC’s complete description of the rules on protection in the case of lost or stolen bank cards here.

      • Hi Lauren, I notified the bank immediately when i noticed the first check posted to my account which the 30th which was two days from the first check was cashed as well as two days from the day my checks were stolen.The issue I’m having is I’ve never used this checking account to cash checks at Wal-Mart, ever and nor do I use checks to purchase items at Wal-Mart. That’s why I have a credit card and debit card. What’s strange is how does Wal-Mart allow my check to be used to return items at the customer service center instead of am actual receipt. I believe it was an employee at Wal-Mart who knew how yo get around the check cashing system. Secondly I’ve never shopped at the Wal-Mart were the first four checks were cashed. I intend to get an attorney and look at filing a lawsuit against Wal-Mart and Telecheck for their carelessness at not checking the persons ID at the time these transactions took place.

        • Hi Jim,

          Overall, Walmart’s actions with respect to your checks seem not to follow Walmart’s own policies. Best of luck following up with Walmart and Telecheck. I hope you’re able to find out why they took your checks without an ID!

  • Hello I lost my wallet a month ago a someone is using my info from my ID to process checks and purchase items from retail stores how can I put a stop and block any purchase using my name can someone please help

    • Hello Oscar,

      I’m so sorry to hear someone’s been using your ID to process checks and purchase items from retail stores. This is a hassle to go through, but the good news is that the U.S. government has a specific website to help you report and recover from identity theft. If you go to IdentityTheft.gov, just click the “Get Started” button, fill in all of your information, and then you’ll get a step-by-step recovery plan that will guide you through everything you need to do to secure your ID and prevent others from making purchases in your name. Hope this helps!

  • I wrote a bad check to a walmart out of town years ago that I never paid. Will in be able to pay by check at another location before clearing the other one.

    • Hi Angel,

      Unfortunately, you will not be able to write another check until the original one has been paid, regardless of the location.

  • can I use check writing privilege at any walmart in Canada and all U.S. states
    To pay my Sams club credit card balance.

  • Hello, I cashed a check at walmart then i noticed my bank returned it to walmart. The check was for 550$. I spent the money before realizing it was returned. Is walmart going to have a warrant issued for me? Will I be charged as a felon? I tried contacting manager, left a message for a return call, managed never returned call. What should I do?

    • Hi KaJ,

      No, you won’t be charged as a felon. I’m a little unclear here about your question — Walmart doesn’t cash personal checks, so maybe you meant that you paid with one? A couple things can happen here. First, you might be charged a returned check fee by Walmart. Walmart charges $35 when checks are returned, and of course, you’re still liable for the amount of the check, and they will with draw it when funds are available in the account if possible. Second, you might be charged an overdraft fee by your bank or credit union. These fees vary widely depending on your bank, and some banks don’t even charge one if it’s the first time you’ve over drafted your account. I would recommend calling your bank to find out more about the situation with your check. It’s best to resolve these issues quickly so that you don’t risk incurring more fees.

      • Thank you I just received a letter from the collection company that telecheck uses.I tried to make good with the store manager, but not only did he not return my phone calls, he said someone will be getting intouch with me. I guess that’s who he ment, collections.