What Kinds of Checks Does Walmart Cash in? (+Cost)

Walmart is a popular place to cash checks, but it’s important to know what types of checks they accept. Not all checks are created equal, and Walmart has specific policies in place for different types.

How To Cash Checks at Walmart

To cash a check at Walmart, you will need to:

1. Go to your local Walmart store and visit the customer service desk or the MoneyCenter.

2. Bring your check and a valid ID, such as a driver’s license or other government-issued photo ID.

3. Endorse (sign) the back of the check.

4. Pay the check-cashing fee.

5. Receive your cash.

What Is The Maximum Amount That Walmart Will Cash?

The maximum amount Walmart will cash is $5,000 for most checks, but they will cash $7,500 for income tax refund checks from January to April.

There is also a limit of $200 for two-party personal checks.

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Fees for Cashing a Check at Walmart

Walmart charges a check-cashing fee of $4 for checks up to $1,000, and $8 for checks over $1,000. There is also a maximum fee of $6 for two-party personal checks up to $200.

Once you have completed these steps, the Walmart employee will verify your identity and cash your check. You will receive the cash in hand, along with a receipt for the transaction.

Here are some additional things to keep in mind when cashing a check at Walmart:

Walmart only cashes certain types of checks, including paychecks, government checks, tax refund checks, cashier’s checks, insurance settlement checks, and 401(k) or other retirement account disbursement checks.
Walmart will not cash checks that are over 180 days old.
Walmart may also refuse to cash a check if it is damaged, if the signature does not match the ID, or if the check is from a bank that Walmart does not do business with.

What Kinds of Checks Can Be Cashed at Walmart?

Walmart cashes a variety of checks, including:

Government checks (such as Social Security, SSI, and unemployment checks)
Payroll checks (from most employers)
Tax refund checks (state and federal)
Insurance settlement checks
Distribution checks from 401(k) or other retirement plans
Cashier’s checks
MoneyGram money orders that were issued at a Walmart

Walmart does not cash handwritten checks, except for two-party personal checks up to $200. Walmart also does not cash checks that are torn, damaged, or unsigned.

To cash a check at Walmart, you will need to bring the check and a valid government-issued ID, such as a driver’s license or state ID card. You may also need to provide your Social Security number.

Walmart charges a fee to cash checks. The fee varies depending on the type of check and the amount of the check. For example, there is a $4 fee to cash a government check up to $1,000.

Do You Need A Walmart Account To Cash A Check?

No, you do not need a Walmart account to cash a check at Walmart.

However, you will need to provide valid identification in order to cash a check at Walmart. Acceptable forms of identification include:

Driver’s license
State-issued ID card
Passport
Military ID
Tribal ID

Can You Cash A Check At Walmart Without An ID?

Walmart will not cash a check without identification, as this is a security measure to help prevent fraud.

Here are some additional things to keep in mind when cashing a check at Walmart:

Walmart has a daily limit of $5,000 for check cashing.
Walmart charges a fee for check cashing, which varies depending on the amount of the check.
Walmart may not be able to cash all types of checks, such as payroll checks or checks from the government.

How Do You Cash A Check At Walmart?

To cash a check at Walmart, follow these steps:

1. Visit your local Walmart store and go to the customer service desk or the MoneyCenter.

2. Bring your check and a valid ID, such as a driver’s license or other government-issued photo ID.

3. Endorsement (sign) the check on the back.

4. Give the check and your ID to the cashier.

5. The cashier will verify your identity and check with their supervisor to authorize the cashing of the check.

6. Once approved, the cashier will give you your cash, minus the check-cashing fee.

What Are The Benefits Of Cashing Your Check At Walmart?

There are several benefits to cashing your check at Walmart:

Convenience: Walmart stores are located all over the country, and many are open 24 hours a day, 7 days a week. This means you can cash your check at a convenient time and place, even if it’s outside of regular banking hours.
Speed: Walmart cashes checks immediately, so you can get your cash right away. This is helpful if you need to pay bills or make purchases immediately.
Affordability: Walmart’s check cashing fees are relatively low, especially compared to other check cashing services. For example, Walmart charges a flat fee of $3 to cash checks up to $1,000.
Variety of checks accepted: Walmart cashes a variety of checks, including personal checks, government checks, payroll checks, and money orders.
No bank account required: You don’t need a bank account to cash a check at Walmart. All you need is a valid form of identification.

Here are some additional benefits of cashing your check at Walmart:

You can load your cashed check funds onto a Walmart MoneyCard: This is a prepaid debit card that can be used to make purchases online and in stores. It also comes with a variety of other features, such as direct deposit and bill pay.
You can earn rewards: If you use the Walmart MoneyCard to make purchases at Walmart, you can earn rewards on your spending. This can include things like cash back, discounts on gas, and free shipping on online orders.
You can send and receive money: You can use the Walmart MoneyCard to send and receive money through MoneyGram. This is a convenient way to send money to friends and family members, or to receive money from your employer or other sources.

Do You Need To Pay A Fee For Walmart To Cash Your Check?

Yes, Walmart charges a fee to cash checks. The fee varies depending on the amount of the check, but it is typically a maximum of $4 for checks up to $1,000 and $8 for checks over $1,000. Two-party personal checks for up to $200 can be cashed for a maximum fee of $6.

Keep in mind that Walmart may also charge additional fees for certain types of checks, such as government checks or payroll checks. It is always best to check with your local Walmart store to confirm the fees before you cash your check.

If you are looking for a cheaper way to cash your check, you may want to consider cashing it at your bank or credit union. Many banks and credit unions offer free check cashing to their members. You can also cash your check at some other retailers, such as grocery stores and convenience stores, but these retailers typically charge higher fees than banks and credit unions.

Alternatives to Cashing Checks at Walmart

If you need to cash a check and you do not have a bank account, there are other options available. You can cash checks at many other retailers, such as grocery stores and convenience stores. You can also cash checks at check-cashing stores. However, check-cashing stores typically charge higher fees than Walmart.

Another option is to open a bank account. Many banks offer free or low-cost checking accounts for students and seniors. Once you have a bank account, you can deposit your checks and withdraw cash for free.

Conclusion

If you’re not sure whether Walmart will cash your check, it’s always best to call ahead and ask. You can also check their website for more information on their check cashing policy.

FAQs

What is the maximum amount of a check that Walmart will cash?

The maximum amount of a check that Walmart will cash is $5,000 from May through December and $7,500 from January through April. The larger limit during tax season is to accommodate larger tax refund checks.

Can I cash a two-party personal check at Walmart?

Yes, you can cash a two-party personal check at Walmart, but the maximum amount is $200. Walmart also requires that you have a valid government-issued ID and that you endorse the check in their presence.

Do I need a bank account to cash a check at Walmart?

No, you do not need a bank account to cash a check at Walmart. However, you will need to have a valid government-issued ID.

What if I have a question about Walmart’s check cashing policy?

If you have a question about Walmart’s check cashing policy, you can call their customer service line at 1-800-WALMART.

What Kinds of Checks Does Walmart Cash in? (+Cost)

How To Cash Checks at Walmart