Does Walmart Cash Checks | Personal Checks – How to Guide (2021)

Does Walmart cash checks? This question impinges the mind of every Walmart shopper. The Walmart check cashing verification service is quick, reliable, and convenient. The most excellent part is that you don’t need to possess a bank account to cash your check. Plus, you don’t even require registration to access the service. It’s that effortless. Here is a thorough guide on how the Walmart check cashing verification service works.

Walmart’s Prominence 

Walmart is not only an American hub for commercial shopping, but it’s also a famous destination for those in requirement of certain financial services. One of those essential financial services can be check cashing, which Walmart Money Center obtained and usually found in company’s stores.

It is a viable alternative to banks or other economic institutions for check cashing and other cash services. You can use the firm to cash a check for various reasons, like convenience, your review is close to expiration, or you have obtained a review but don’t possess a bank account.

Does Walmart Cash Checks

How to Cash a Check at Walmart?

Related to how you would cash a check at a bank, Walmart cashes money orders and enables consumers to cash their reviews quickly and have money in their hands directly. It enables people without bank accounts (or those who prefer not to use them) to cash their inspections.

Always remember that the requirements for cashing a check are precisely the same as Walmart as they are available everywhere; all you’ll need is to endorse the statement with your signature and submit your photo I.D.

Walmart Check-Cashing Fees

Walmart check-cashing policy fees comprise the following:

  • $4 for checks up to $1,000;
  • $6 for two-party subjective checks up to $200;
  • $8 for checks above $1,000.

Walmart also has check-cashing maxima that change depending on the time of year. 

  • From January to April, you can cash checks amount up to $7,500. 
  • Then from May to December, the check-cashing threshold is $5,000. 

If you possess a bank account, then it’s likely that cashing a check with your bank will be inexpensive than using the company’s card. The firm’s hours and easy availability make it a good alternative for those who work during banking hours, don’t have a branch near their area, or don’t have a bank account.

Various types of Checks that Can get Cashed 

When it comes to Walmart, it is very strict with the sorts of reviews that got approved for its check-cashing services cause check extortion is a huge problem, and all necessary precautions got taken to inhibit the fraud.

Hence, only the following checks can be cashed:

  • Government checks
  • Payroll checks
  • Tax refund checks
  • Insurance settlement checks
  • Cashiers’ checks
  • MoneyGram money orders issued at a the firm
  • 401(k), retirement disbursement checks

As you can discern, personal inspections not got added to the list. The firm permanently cashes preprinted checks, where the bill isn’t handwritten. 

Ineligible checks

The kinds of statements that the company won’t cash comprises;

  • Handwritten inspections
  • Checks with multiple payees
  • Personal checks
  • Checks dated more than 180 days prior
  • Non-MoneyGram money orders
  • Post-dated reviews
  • MoneyGram money orders not granted at Walmart

Check-Cashing Maxima

The organisation has a reasonable limit for check-cashing, and that is 5,000 dollars per check.

From January to April, this limit is heightened temporarily to 7,500 dollars to accommodate the more extensive reviews that customers might bring in due to their tax refunds.

Funds Payment Strategies 

There are two strategies to receive the cashed funds, and they got stated below.

  • Cash
  • Reloading a Walmart Money Card

When you decide to load the funds onto a the firm’sMoney Card, the usual reload fee got waived.The organisation’sMoney Card choice is a decent option if you already use the prepaid card account frequently as part of your financial system.

Cost Structure 

The company charges a varied check-cashing fee depending on the check amount.

For statements of 1,000 dollars or less, the maximum fee is 3.00 dollars. As for reviews of more than 1,000 to 5,000 dollars, the total price is 6.00 dollars. The cost is subtracted from the value of the check so that you’ll obtain minor than the check amount.

Required Information 

While no registration is required, you have to submit an endorsed check along with a valid means of government-issued I.D. with your picture, e.g., state I.D. card, driver’s license, passport, etc.

Besides, always be prepared to submit your Social Security number.

Walmart Bill Pay

Bill pay is another form of service offered by the firm’s money center. Buyers can pay a wide variety of bills, both online or in the app and in-store. Types of accounts that Walmart’s bill pay can acclimate include:

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

To enroll an account with the company’s bill pay, you need the company’s name and account number. You can reimburse cash at the company’s money services department or with a credit or debit card through several money services online portals.

Does Walmart cash checks?

When you obtain a check, you are free to go to the bank that administers the assessment and cash it, and there’s no need to deposit it into your bank account. The paying bank will ascertain the assessment immediately and pay out the reserves to the check recipient.

Though, this usually comes at a personal cost.Banks may indict a non-customer check-cashing fee, which could be a limited amount or a percentage of the cashed amount.The costs of cashing accounts at banks as a non-customer got thoroughly stated below.

Cost of Cashing Checks for Non-Customers

BankNon-Customer Check Cashing Fee
Bank of America8 dollars per check for numbers greater than $50.00
Chase8 dollars
BB&TFree under $50; Over $50 a fee of $8
BMO Harris Bank10 dollars ($50 is the minimum amount you can cash)
Capital OneFree
BBVA Compass10 dollars
CitibankFree for reviewsbelow $5,000
Fifth Third BankOne percent of the check amount ($4 minimum and $25 maximum)
HSBC BankFree for personal checks; $3 for business accounts under $100 and $5 for business checks of $100 or more
KeyBank1.0% of the review amount ($3 minimum and $25 maximum)
M&T Bank2% of the review amount ($3 minimum)
PNC BankFree for checks $25 and under; 2% of the check amount for accounts greater than $25 ($2 minimum)
Regions BankFree under $10, but above $10, 1% of the review amount ($2 minimum and $20 maximum)
SunTrustFree for checks $50 or under; $7 if greater than $50
TD Bank$7
Union Bank$10 fee for personal reviews over $100; $10 for business accounts over $25
U.S. Bank$5
Wells Fargo$7.50

Just like the firm, banks will mandate identification before disbursement of funds. Most of the time, banks ask for two types of government-issued I.D.s.

Expensive yet Accessible

In comparison to Walmart, banks incline to charge a higher fee to cash a review.

Nonetheless, you may find that it is more effective for you to go to a bank branch as there are more banks in your locations than Walmart stores in your area.

Does Walmart cash personal checks?

Another huge difference is that banks will always cash your statements (again, if handed out by that bank).

These are those appraisals that are handwritten and got deemed too risky to be cashed by the company.

If you possess a personal account and don’t maintain your bank account, you may have no option other than to visit the publishing bank to cash the statement. As a result, the consumer check cashing fee is most likely to be unavoidable.

Walmart Money Center and Check-Cashing Hours

You can quickly cash a statement with a the firm’s cashier at any hour that suits you, as the store is generally always open. You can also employ the store finder to locate your local store hours. For additional money services, the firm’s Money Center typically remain open from: 

  • 8 am to 8 pm Monday all through Saturday
  • And 10 a.m. to 6 p.m. on Sundays.

Unlimited Check Cashing

Unlike the company, banks have no declared limits on the scope of the check that they’ll cash.

If the tab funds are authorized to be available, the bank will not limit the payment.

Therefore, even if you have a preprinted inspection, the amount may surpass the limits accepted by the corporation. Likewise, this compels you to use the issuing bank (or a bank account).

Additional Services Offered by the Walmart Money Center

The corporation money center provides more helpful services outside of checking. Consumers can also transfer money and can pay bills, both online and in-store. All these services are an excellent choice for convenience, adapting schedules, and time-sensitive matters.


Walmart is a compelling platform that offers a check-cashing alternative for various consumers. It is also cheaper than other banks and even more affordable than the mom-and-pop check-cashing shops. The only shortcomings we can see are the restrictions on the categories of checks and review amounts. But overall, it’s an excellent solution to solve all your check-in cash problems. We hope we have answered your query regarding does Walmart cash personal checks? And have provided you with a more definitive version relating to the same—so good luck with choosing the best alternative. Happy Shopping! 

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