Does Walmart Cash Personal Checks? Limit? Handwritten? Foreign?

Are you looking for a way to cash your personal check without having to go to the bank? If so, Walmart may be the solution for you. This article will discuss how to cash personal checks at Walmart and provide some tips on making the process as smooth as possible.

Would a personal cheque be accepted at Walmart?

The Short Answer: Absolutely, as long as you have correct identity and funds in your account, Walmart will cash a pre-printed personal check. There are, however, a few things to consider before going to the store.

Let’s take a deeper look at what’s going on.

Is Walmart willing to accept personal checks?

Walmart now accepts personal checks, but there are a few things to be aware of.

First and foremost, when you go to your local Walmart, you must have correct identification with you. Your driver’s license, passport, or other forms of government-issued identification are acceptable forms of identification for cashing a check at Walmart.

Second, keep in mind that Walmart only accepts pre-printed personal checks. As a result, if you have a check made by someone else, the store may not be able to process it.

Finally, Walmart caps the cash you can get from a personal check at $5,000 each day. We’ll go through this in further depth later.

are extremely adaptable, yet they do have some limitations. Walmart, for example, rejects personal checks written to cash, expired checks, post-dated checks, and checks older than 180 days.

What is the procedure for cashing a personal check at Walmart?

The procedure for cashing a check at Walmart is quite basic.

The following are the steps to cashing a personal check at Walmart:

  1. Bring proper identification with you to the store. It’s not a a location that accepts checks without requiring identification.
  2. Bring the check to a Walmart worker near the front of the store in the Money Center.
  3. Wait for the funds from your account to be processed and deposited into Walmart’s system.
  4. Once the transaction is completed, get your money from the associate.

If you are cashing a check for the first time at Walmart, you may be asked to provide your social security number to verify your identity. You will, however, only be required to submit your SSN once and will not be required to do so again in the future.

The only places where you can cash checks in-store are Walmart Money Centers. Simply present your approved check to any Money Center cashier along with a photo ID. The cashier will then confirm your identification and authorize your cheque.

It’s also worth noting that New Jersey and New York are the only states where Walmart does not accept personal checks.

How much does it cost to cash a personal check at Walmart?

If you want to cash a personal check at Walmart, be aware that you will be charged a service fee. Walmart charges $4 to cash checks worth less than $1,000 and $8 to pay cheques worth more than $1,000.

The cost can be deducted from the total amount of your check, or you can pay it up advance.

What is the check cashing limit at Walmart?

Walmart has a $5,000 check-cashing restriction each day. It means you can’t cash any checks worth more than $5,000 in a single transaction or over the course of numerous transactions.

However, from January to April, the limit is raised to $7,500 at Walmart due to the increased demand for tax refund checks.

When I cash a check at Walmart, do I get paid in cash?

When you successfully cash a personal check at Walmart, you will be given the cash equivalent of the check’s amount. The total amount minus the check cashing fee will be given to you.

You can also choose to obtain the money transfer into a ‘Money Card.’ Walmart’s Money cards are only $1 and can be used anywhere that Visa or Mastercard are accepted. In addition, the reload fee is free as long as you reload via check cashing.

Walmart Accepts What Kinds of Checks?

Walmart will cash any pre-printed personal check with the store’s name and address on it, including payroll checks, tax refund checks, insurance refund settlement checks, and even MoneyGram money orders. Checks from banks, credit unions, and other financial institutions are included.

Walmart would most likely process the check as long as you have valid identification. Other cheques that Walmart will cash at its Money Center include:

  • Business Checks 
  • Stimulus Checks
  • Payroll Checks 
  • Social Security
  • Government Checks 
  • Retirement Disbursement Checks 
  • Pre-Printed Checks 
  • Checks from Cashiers
  • Retirement Checks vs. 401(k)
  • Personal Checks for Two Parties (Up to $200)
  • Out-Of-State Checks 

What Kinds of Checks Does Walmart Refuse to Accept?

While most personal checks can be cashed at Walmart, there are a few types of checks that Walmart will not accept, including:

  • Handwritten Personal Checks
  • Post-Dated Checks
  • Third-Party Checks
  • Starter Checks
  • Verify With a Several Different Payees
  • Savings Bond
  • EFTs Checks

Contact your local Walmart store to see if they will cash other types of checks not mentioned here. The Walmart Money Center hours are generally 8 am to 8 pm Monday through Saturday. On Sunday the hours are generally 10 am to 6 pm. The Money Center hours are limited, even at supermarkets that are open 24 hours a day.

Is it possible for me to cash a foreign check at Walmart?

Because foreign checks necessitate special procedures and regulations, Walmart rarely cashes them. Therefore, it is worthwhile to inquire about the financial services provided by your local store.

What is Walmart’s procedure for verifying my check?

Before Walmart cashes a personal check, they must ensure that the funds are available in your account. It’s done by the route number is being checked using Telecheck and Certegy.

is a check-verification service that assists merchants in lowering the risk of accepting checks as payment. To ensure that the check is not fraudulent, the system compares the information on it to a database of bad checks.

Walmart also uses a third-party check verification service. To decide if you have sufficient funds to cover the check amount, the system looks at the information on the check as well as your credit history.

See our related article for finding routing numbers for Chase Bank, Navy Federal Credit Union is a credit union that serves sailors., and PNC.

Is Walmart willing to accept handwritten checks?

Handwritten checks are rarely accepted at Walmart. When it comes to cashing a handwritten check, there is a special process and set of rules to follow. Furthermore, Walmart’s check verification technology is unable to validate the funds or legitimacy of the checks.

Is Walmart willing to accept two-party personal checks?

Walmart accepts two-party personal checks, but the total amount of the check cannot exceed $200 and there is a $6 fee.

Is Walmart willing to accept third-party checks?

Walmart, like other shops, does not accept third-party checks. Most retailers do not accept it because it carries a high risk of fraud. Instead of the person who wrote the check, a third-party check is written from one person to another.

Luckily, Check cashing locations that are open 24 hours a day and banks can cash a third-party check without any issue.

Is it possible for someone else to cash my check at Walmart?

Walmart will not allow another person to pay your check. It’s because Walmart requires valid identification from the person cashing the check in order to ensure that the funds are moved correctly and that no fraudulent activity is occurring.

A cheque can always be endorsed to someone else. Endorsing the check to someone else, on the other hand, turns it into a third-party check, which Walmart would not accept.

What is a Walmart Money Center, and how does it work?

A Walmart Money Center is a department in Walmart stores that provides financial services such as completing money orders, wire transfers, Coinstar machines, reloading Netspend Visa debit card, Walmart Pay, prepaid debit cards, check printing, PayPal, international money transfer, tax preparation services, offers gift cards from Walmart, and bill payments.

Because it offers various financial services under one roof, the Walmart Money Center is a handy way to perform your banking (not only cashing in your personal checks). When you use your Walmart Money Card to make purchases at Walmart, you can also earn cashback.

What are the Walmart Money Centers’ hours of operation?

The Walmart Money Center is open from 7 a.m. to 11 p.m. Monday through Saturday, and from 9 a.m. to 9 p.m. on Sunday.

What is the procedure for cashing a MoneyGram money order at Walmart?

A MoneyGram money order can be cashed at a variety of locations, including Walmart. To cash a money order at Walmart, follow these steps:

  1. To begin, make sure you have valid identification with you when you go to the store.
  2. Then, go to the Money Center Before closing, visit the Walmart service desk. and give the money order to an associate.
  3. Request that they pay it and supply any other information they may require.
  4. Once the transaction is completed, you will get cash from the money order.

Money orders can be purchased at Walmart for $0.70-$1.00. The maximum amount you can purchase with a debit card or cash is $1,000.

Is it possible to cash a stimulus check at Walmart?

Walmart is one of the most well-known stores that will accept your stimulus check. A stimulus check is a reimbursement check issued by the to a taxpayer. It’s a government check that’s generally regarded as safe and secure.

The majority of institutions are no longer charging fees for stimulus checks. As a result, the most convenient option is to deposit them in your account.

Walmart is an alternative to cashing your stimulus check if you don’t have a bank account. Unfortunately, over individuals are labeled “unbanked.”

Walmart will cash up to $5,000 in refunds or stimulus checks. A stimulus check worth up to $1,000 costs $4, while checks worth more than $1,000 cost $8. You can either cash or load your stimulus or refund money onto your Walmart MoneyCard.

What Is a Walmart MoneyCard and How Do I Obtain One?

A Walmart MoneyCard is a prepaid Mastercard or Visa card that can be used anyplace that accepts Visa or Mastercard. In addition, the card can be reloaded at any Walmart location using cash, check, or money order.

A Walmart MoneyCard has a one-time purchase fee of $1, and you can apply for one in-store. You can use it right away once it’s been approved. The reload fee is waived if you reload in the store via check cashing, but there is a $3 fee if you reload over the phone or online.

What Are The Advantages Of Using A Walmart MoneyCard?

The following are some of the advantages of having a Walmart MoneyCard:

Why Should You Pay Your Checks at Walmart Rather Than a Bank?

There are various reasons to cash your check at Walmart rather than at a bank, including:

No Bank Account

Because you do not have a bank account, you may prefer to cash your checks at Walmart rather than at a bank.

Walmart charges a fee for check cashing and does not require you to have an account with them to do it. It may be more convenient than traveling to a physical bank, standing in line, and producing evidence of identification and cash.


Another reason you might prefer Walmart to a traditional bank is its accessibility.

Walmart has thousands of superstores located across the United States. So there’s likely a Walmart within of where you live or work. In addition, the stores offer extended hours, which means you can Late at night, cash your check, Saturdays, and Sundays.

If you have a Walmart MoneyCard, the process is even easier: simply swipe your card to get cash.

Get Money at Unusual Hours

Walmart is open on certain holidays, so you may cash your check even if your bank is closed. If you need urgent access to your finances, it can be a lifeline.

Does Walmart Accept Personal Checks?

Check cashing at Walmart is a simple and secure way to cash your check. Walmart MoneyCards can also be used as a prepaid Visa or Mastercard debit card anywhere that accepts those cards, giving you more flexibility in how you spend the money from your check.

In addition, there are many benefits of having a Walmart MoneyCard, such as no interest charges, There is no requirement for a credit check., and discounts from participating merchants. So if you’re looking for a place to cash your government check without having to open a bank account, Walmart is a great option.

Overall, because of its convenience, extended hours, and holiday openings, Walmart is a great place to cash your checks. If you already have a Walmart MoneyCard, the process will be considerably simpler.

See our guide on the Hours of operation for the Walmart return counter.

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