Walmart Check Cashing Policy & Money Services With MoneyCard in 2021

Walmart is a massive hub for retail shopping in the US. It can be a great alternative to banks, credit unions, or other financial institutions for someone looking to cash a check or any other financial services. Walmart check cashing and other money services with MoneyCard are usually offered through its Money Centers, found in your .

The drawback is that Walmart’s check-cashing costs can range from $4 to $8 per check. A thrifty buyer might find this pricey!

In light of the fact that banks are typically free, why would you prefer Walmart check cashing, which charges a large fee? There are many benefits to choosing to cash a Walmart check. The most typical ones consist of:

  • No bank account: What happens if you receive payment via check but don’t have a bank account? Banking services will be unavailable to you. But everyone has a bank account! Right? Wrong! Per the , 5.4% of US households don’t have a bank account. They’re referred to as “unbanked,” adults that don’t have bank accounts. To the unbanked population, Walmart check cashing may seem like a godsend!
  • Would you like to cash a check during odd hours? What if you need to cash a check on a Sunday or a weeknight at 7:00 p.m. Credit unions and banks are closed. For those who work during or after banking hours, it is perfect.
  • Convenience: It’s really convenient to cash checks while conducting other errands. Consider visiting one of the more than 4,500 Walmart stores in the US. You don’t have to go to the bank to cash a check; you can take care of your financial needs at Walmart.

In such cases, the $4–$8 price is easily justifiable. That is the cost of having easy access to money. The Walmart check cashing policy must first be understood before you dash to a neighboring location.

Learn everything there is to know about Walmart’s check-cashing procedures, including the maximums, permitted check kinds, and other money services offered by MoneyCard.

How to Cash a Check at Walmart?

For those who need to cash a check after bank hours or without a bank account, Walmart is the best option.

You must first endorse the check with your signature and present a valid photo ID issued by a government agency.

You might be asked for your social security number if you’re using Walmart’s check-cashing services for the first time in order to verify your identity. Your SSN will only need to be provided once for all subsequent transactions.

Through its Money Centers, Walmart only provides in-store check cashing services. Simply present the Money Center service desk or any cashier with your endorsed check and a photo ID. The cashier will then confirm your identification and approve your payment.

After that, you’ll have to pay a processing fee. The transaction charge can be paid in cash, using a debit card, or by taking it out of your check. You are in charge!

You have the option to either receive the money in cash after your check has been processed or reload your Walmart Money Card with it.

What Types of Checks Does Walmart Cash?

According to the Walmart check cashing policy, valid checks should be cashed at the customer service desk or the Money Center Services desk during regular store hours.

The following check types are accepted at Walmart:

  • Payroll
  • Stimulus
  • Tax refunds
  • Government
  • Insurance settlement
  • Cashiers’
  • Orders for MoneyGram made at Walmart
  • Business
  • Preprinted
  • Two-party personal
  • Retirement or 401(k) distributions
  • Out-of-state

It’s vital to know that Walmart treats checks from other states the same way it does checks from within the state; any location can cash them.

It’s vital to know that Walmart treats checks from other states the same way it does checks from within the state; any location can cash them.

For many banking institutions, the terrible possibility of fraud and theft linked with cash checking poses an ongoing threat. Walmart is not exempt from them. The retailer places limitations on the kinds of checks that can be cashed in-store at Walmart’s money services department in order to deter scammers.

The good news is that Walmart will pay your cheque as long as it is pre-printed. Those who wish to access their money without making additional journeys to the bank will find this to be incredibly convenient.

You can simply go to the customer service desk and present your check if you’re still unsure about whether Walmart will cash it. The employees at Walmart are knowledgeable with check cashing procedures and will let you know if they have any questions regarding a specific check.

You may want to be aware that Walmart does not accept personal checks. Sadly, such cheques will necessitate a trip to the bank.

Does Walmart Cash 3rd Party Checks?

Walmart is one of the few merchants that does not accept third-party checks due to the high risk of fraud and theft. A check that the original payee has signed over to a different party is referred to as a third-party check.

So this is not just a Walmart thing. Grocery and convenience stores that cash checks are uncommon.

Fortunately, there are several banks, credit unions, and check cashing businesses across the US that accept third-party checks.

See our related article titled, “What Locations Accept Third-Party Checks?

Can Someone Else Cash my Check for me at Walmart?

The quick response is “no”! You must sign the check and present a valid photo ID issued by the government. That implies that you cannot instruct someone else to cash your check. This might be an effort at fraud.

The only method to accomplish this is to endorse the check over to them; in that case, it turns into a third-party check that Walmart would not cash. There is thus no escape from it. Simply cash your cheque in person at the Walmart money services counter in your neighborhood.

Can You Cash a Payroll Check at Walmart?

Payroll checks can be cashed at Walmart. Due to payday, there are often lengthy lineups at banks and other cash-checking locations at the end of the month. Bring your check to your local Walmart and cash it while you shop to avoid the lines.

You won’t encounter any issues as long as the check is preprinted or is permitted under Walmart’s check cashing policy.

Make sure that you correctly endorse your payroll check. They will not cash a cheque without identification; a government-issued photo ID.

Does Walmart Cash Stimulus Checks?

One of the biggest retailers that will accept your stimulus check is Walmart. A stimulus check is typically a taxpayer’s check for an IRS refund. It is thought to be a government check, which is generally regarded as secure.

For stimulus checks, most banks are waiving fees, and it’s simpler to deposit them directly into your account.

However more than 7 million people are thought to be “unbanked” since they do not have bank accounts. An alternate location to cash your stimulus check is Walmart.

Up to a $7,500 refund cheque can be cashed at Walmart. For stimulus checks up to $1,000 and $8 for checks over $1,000, be prepared to pay a charge. You have the option of receiving your funds in cash or having your Walmart MoneyCard loaded with them.

Does Walmart Cash Personal Checks?

Two-party personal checks are the only ones that are accepted; the transactional maximum for these checks is $200. Walmart often does not accept personal cheques in any other case.

It’s because personal checks are frequently written by hand and taken immediately out of a person’s account. They pose a significant danger of theft and fraud, therefore. The check will also bounce if the writer does not have sufficient funds. To avoid all of these issues, Walmart does not accept personal checks.

The personal cheque should be cashed at the bank that issued it, as that is your best option. You could also try your own bank or credit union, but they probably have transaction dollar limits.

Does Walmart Cash Social Security Checks?

You can cash social security checks at Walmart. Generally speaking, they fall under the category of 401(k) or other retirement payout checks. You have the option of getting the money in cash or adding it to your Walmart MoneyCard.

If you already have a prepaid card account, the Walmart MoneyCard is a great alternative to cash. If you decide to load the money onto a Walmart MoneyCard, the reload fee will be waived by Walmart.

Does Walmart Cash Insurance Checks?

Checks for insurance settlements are cashed at Walmart. An insurance provider will endorse the check to you when they pay for your car’s repairs. If the cheque is written to you rather than the vehicle body company, you can cash it at Walmart.

The repair shop’s name could be listed on the check by the insurance company, though. Walmart won’t accept the check because it becomes a third-party check, even if you endorse it over to the repair shop.

How Large of a Check Will Walmart Cash?

Up to a $5,000 cheque can be cashed at Walmart. During the tax months, from January to April, it can rise to $7,500. During tax season, Walmart raises the cap to allow customers to use their tax refunds.

How Much Does Walmart Charge to Cash a Check?

The check type and amount determine the $4 to $8 check-cashing fee at Walmart. The Walmart fees are as follows:

  • For the majority of printed checks up to $1,000, the charge is only $4.
  • For checks worth more than $1,000, the maximum cost is $8.
  • The most expensive two-party personal checks cost $6.

What are the Walmart Check Cashing Limits?

Walmart establishes check cashing limits based on the time of year and the type of check in order to safeguard both itself and its clients. The following are the Walmart check cashing limits:

  • From May to December, a $5,000 cap is imposed.
  • The months of January through April are tax season. Customers are more likely to bring in bigger checks during tax season because of their tax refunds. Walmart temporarily raises the check cashing cap to $7,500 in order to accept large cheques.
  • Personal checks from two parties: You can cash personal checks from two parties up to $200.

Customers of Walmart are only permitted three transactions each day. You should also be aware that, depending on the location, some Walmart stores may impose lower restrictions. Before you bring a sizable check to be cashed, call the customer service department of your nearby Walmart.

How to Cash a Walmart Money Order?

MoneyGram orders that were purchased at Walmart are the only money orders that are cashable at Walmart. MoneyGram money orders up to $1,000 can be ordered with a debit card or cash.

How Much Does Walmart Charge to Cash a Money Order?

Each money order is cashed at Walmart for 88 cents, though the costs may differ depending on the location. Verify the costs and hours by calling the closest store.

What Other Money Services Does Walmart Offer?

Other financial services provided by Walmart Money Center include ordering bank checks, money transfers, bill payment options both online and in-store, and more. Customers who have time-sensitive issues and busy schedules will find the money services convenient.

Below are the financial services Walmart provides:

Order Bank Checks from Walmart

You can order both personal and business checks from 150 to 600 checks can be ordered by customers each order.

You can add popular own designs to the checks, such as your own photos, company logos, or other branding elements of your choice. Character checks from The Minions, Star Trek, and Star Wars are also available.

When ordering, you will need your bank account information, including the beginning number, account number, and routing number.

Walmart check orders range in price from $8 to $50, depending on the kind, size, and customization.

Walmart Money Transfer

You have two options at Walmart for money transfers:


You can send money domestically and internationally between online accounts by using the MoneyGram website or the Walmart app.

You can send money overseas to more than 200 nations and territories using MoneyGram.

What are the fees for MoneyGram transfers?
  • The fixed charge for domestic transactions between $50 and $900 is $11.50.
  • Domestic transfers costing more than $900 incur a 2% charge.
  • The exchange rate fee is not included in the price; it is $4 for international transactions.

Walmart2Walmart Powered by Ria

You can transfer money using this service from one Walmart location to another, where you can pick it up. In-store pickup, direct transfers to mobile wallets, transfers to bank accounts, and transfers for home delivery are all supported by the service. There are 165 participating countries where these services are offered.

What are the Walmart2Walmart Powered by Ria fees?
  • For domestic transfers, there is a $4 cost.
  • Apart for the exchange rate fee, there is a charge for international transfers.

What Bills Can You Pay at Walmart?

Customers can use the Walmart Bill Pay service to pay more than 15,000 billers online, in-store, or through the Walmart app.

The list of bills that can be paid at Walmart using Bill Pay is as follows:

  • Electric
  • Gas
  • Cable
  • Credit Card
  • Loans
  • Insurance
  • Auto
  • Utilities
  • Taxes
  • Phone
  • Rent
  • Mortgage
  • Citations and tickets
  • Healthcare


In the majority of its retail locations, Walmart has Coinstar machines. You can put your spare change in the coin counting machines and earn cash back. Despite the fact that not every Walmart store has a Coinstar kiosk, you will undoubtedly find one close by in all 50 states.

Simply toss the coins into the kiosk at a Coinstar to exchange your spare change. You receive cash back from the Coinstar system after it counts the coins.

Nevertheless, such convenience is not given away. The nationwide Coinstars fee is around 11.9%. Depending on the Walmart location you visit, it might be more or less. Hence, if you deposit $100 worth of coins, Coinstar will keep roughly $12.!

Although there is a way to avoid the costs, a frugal consumer leading a cheap life might perceive Coinstar to be a scam. Your coins can be exchanged without cost. You can exchange your coins for an e-Gift card or donate them to your preferred charity to avoid paying the fee.

See our related article about nearby coin-counting devices.

What is a Walmart Money Card?

Walmart offers a reloadable debit card called MoneyCard. The Walmart MoneyCard is accepted wherever that takes Visa debit cards.

It offers customers three significant advantages:

  • No overdraft fees: This reduces the possibility of paying an overdraft fee. Unlike a standard debit card, you are not allowed to spend more than what is loaded onto the card, and there are no overdraft fees.
  • You can add money to the card by loading it with a check whenever you cash a check at Walmart. Walmart will not charge its customary reload fee.
  • Safer than Cash: It is safer to load money onto a Walmart MoneyCard and use that card to make purchases rather than carrying around a lot of cash.
  • Using it as a debit card: Because the Walmart MoneyCard is pre-loaded with your cash, it may be used in the same way as a debit card. This indicates that it has a MasterCard or Visa logo on it, allowing you to use it for both online banking and in-store purchases.
  • You can use this card to set up a direct deposit with your company. If you choose this route, the money will arrive in your account more quickly than if it were transferred.
  • Additional benefits: Using a Walmart MoneyCard often comes with rewards and points. When you use it online at, you can get 3% back, and you can get 2% back when you fill up at a gas station with the Walmart logo.

How to Get a Walmart MoneyCard

You can cash your check and have your money deposited into the Walmart MoneyCard if you like the perks that come with it. But first, you’ll need to get a hold of a card. The Walmart MoneyCard is available in two different ways.


You can stroll into any Walmart and fill out an in-store MoneyCard application. You can set it up and begin using it on the same day, but there is a $3 setup fee that you must pay first. For those who prefer to handle their money the traditional way and do not wish to choose the online alternative, this is a convenient choice.

Online Requests

If you don’t want to visit a Walmart outlet to get your MoneyCard, you can , as well. You’ll have to wait for a few days before you receive the card in the mail. Once this is done, you can visit a Walmart outlet and ask the cashier to load your money into it via checks. 

There are two advantages to this for thrifty shoppers. The first benefit is that you can pick up your card without having to go to Walmart. The other is that by doing this, you can forego the $3 setup fee, giving you more money to spend.

How do you Transfer PayPal to Walmart MoneyCard?

You must first link your Walmart MoneyCard to your PayPal account in order to transfer funds between the two. Enter the ACH number and routing number to log in and add it.

As soon as the two accounts are connected, you can begin sending money. Simply click the Withdraw button and choose your Walmart MoneyCard bank account to transfer your PayPal balance to the Walmart MoneyCard. Your MoneyCard account will be credited by PayPal in 2 to 3 business days.

How to Check Pending Deposits on Walmart’s MoneyCard?

You must download the Walmart MoneyCard mobile app in order to check your balance and receive deposit notifications. Using the app, you may get immediate notifications whenever a deposit is made.

Get the tracking number from your company or benefits provider if the deposits aren’t posting as expected. If there are any pending deposits, provide the number to the Walmart MoneyCard customer service team so they can check when they will be processed and made usable.

What Time Does Walmart Money Card Process Deposits?

Immediate Instant Deposit is available through Walmart MoneyCard. Your account will be credited as soon as your employers’ information is received, though there is no set time at which deposits are processed.

What Time Does Walmart Green Dot Post Direct Deposits?

Direct deposits to the Walmart Green Dot card don’t post at a single, set time. Nonetheless, it can be said with certainty that Walmart Green Dot posts direct deposits as soon as they are received. Once your company has provided the necessary information, your card will be credited.

What are the Walmart Money Center Store Hours of Operation?

The Walmart Money Center is open during the following hours:

  • 8 a.m. to 8 p.m., Monday through Saturday.
  • 10 a.m. to 6 p.m. on Sundays.

Location can affect the precise times. For instance, a few places close to me are open till 10 p.m.

If you need extended hours, see our guide on the near me that offers 24-hour check cashing.

Walmart Check Cashing Policy Summary

Walmart isn’t just a hub for retail shopping and auto services but a great alternative to banks and credit unions for financial services. Although Walmart cash checking services come at a fee, they come in handy to the unbanked population or anyone looking to cash a check at an odd hour.

Apart from Walmart cash checking, the retailer offers many other in-store Walmart money services via the Money Center. Popular services include Walmart  Bill Pay, affordable money orders, check ordering, Walmart Money Transfer, make copies, fuel stations, get keys made, ATM, sell stamps, Coinstar kiosks, cheap fax services, and Walmart MoneyCard. The ATMs do not let you withdraw $5, nor do the ATMs issue $10 bills..

All of these services provide exceptional convenience and support clients in taking care of time-sensitive issues while accommodating busy schedules.

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