Does Walmart Cash Personal Checks

Navigating the world of check cashing can be daunting, especially when you need clarification on whether a store like Walmart will cash your checks. It’s essential to be well-informed before going to the store to avoid any potential inconvenience. This article will discuss whether Walmart cashes personal checks and what you need to know to utilize their services effectively.

Good news! Walmart does you can cash personal checks at their Money Services or customer service desk. You’ll find that this option is convenient because you won’t need to register or schedule an appointment to get your check cashed.

You won’t need a Walmart credit card to use this service, making it accessible to many customers like yourself. However, it’s important to understand the fees and limits associated with cashing your personal checks at Walmart, which we’ll address in the following paragraphs.

Walmart typically accepts personal checks up to $5,000; from January to April, they increase this limit to $7,500. The fees are quite straightforward: for checks under $1,000, there is a $4 fee, and for checks between $1,001 to $5,000, they charge an $8 fee.

Walmart Check Cashing Services

Cashing your check at Walmart is easy. Here’s an overview of the services and fees.

Walmart Money Center

You’ll find a dedicated area for financial services called the Walmart Money Center at Walmart. These locations within Walmart stores provide various solutions, including check cashing. You can conveniently access these services during your regular shopping trips.

Walmart Money Services

When you need to cash a personal check, head to the Walmart Money Services desk or the customer service desk in your local store. You don’t need to register or have an appointment, allowing you to quickly and easily get the cash you need.

Additionally, owning a Walmart credit card is optional to use their check-cashing services.

Fees and Limits

The fees and limits for check cashing at Walmart are reasonable, making it an accessible option for many people. The current check-cashing limits are:

Check AmountFee
Up to $1,000$4
$1,001 to $5,000$8
Two-Party (up to $200)$6

Note that there is an increased limit of $7,500 from January to April each year. Regarding Two-Party Personal Checks, Walmart accepts checks up to $200 with a maximum fee of $6.

By using Walmart’s check-cashing services, you can quickly access the funds from your personal checks while enjoying competitive fees and straightforward limits.

Types of Checks Cashed at Walmart

Walmart offers a variety of check-cashing services for your convenience. Here is a list of the different types of checks that you can cash at Walmart:

  • Pre-printed checks: These are checks that have been pre-printed by a financial institution, and they are commonly accepted at Walmart. Examples include payroll checks, government checks, and tax refund checks.
  • Two-party personal checks: Walmart cashes two-party personal checks up to $200 per transaction. However, they do not accept handwritten personal checks.
  • Cashiers’ checks: These are checks issued by a bank or financial institution, which are guaranteed funds. You can cash cashiers’ checks at Walmart.
  • Insurance settlement checks: If you have received a check from an insurance company as payment for a claim, you can cash it at Walmart.
  • Retirement account disbursement checks: Checks from your 401(k) or other retirement accounts can also be cashed at Walmart.
  • MoneyGram money orders: If you bought a MoneyGram money order at Walmart, you could cash it there. However, non-MoneyGram money orders are not accepted.

Please note that certain types of checks are not accepted, such as handwritten checks, checks over 180 days old, Comdata checks, savings bond checks, starter checks, checks with multiple payees, post-dated checks, and non-MoneyGram money orders purchased outside of Walmart.

So, when cashing a check at Walmart, be sure it falls within the accepted types to ensure you can cash it without any issues.

How to Cash a Personal Check at Walmart

The process of cashing a check at Walmart is fairly simple. Having the correct ID, and your payment method for fees is about all you need. Let’s cover the requirements first.


Before heading to Walmart to cash your personal check, make sure you have the following items with you:

  • Endorsed personal check: Ensure that your check has the proper endorsement on the back with your signature.
  • Valid identification: Bring a government-issued photo ID, such as a driver’s license, state ID, passport, or military ID.
  • Check amount: Be aware that the maximum amount you can cash at Walmart is $5,000 ($7,500 from January to April).

Please note that fees may apply for cashing a check at Walmart. These vary depending on the check amount but typically fall between $4 and $8 per check.

Additional Steps

Follow this straightforward guide to cash your personal check at Walmart:

  1. Locate the service desk: Go to the Walmart Money Services desk or Customer Service desk, where check cashing occurs.
  2. Present your check: Hand over your endorsed personal check to the cashier and your valid identification.
  3. Verify your personal information: The cashier may ask you to confirm your name, address, and possibly your Social Security number. Ensure that the information on your ID matches the information on the check.
  4. Pay the fee: Be prepared to pay the check cashing fee, as mentioned earlier.
  5. Receive your cash or card: Once the check is processed, you will receive the cash or can load the funds onto a Walmart MoneyCard or your own debit card.

With these steps, cashing your personal check at Walmart is a convenient and simple process. Ensure you have all the required documents and information for a hassle-free experience.

Additional Information

While Walmart does cash personal checks, it’s important to note that there are some checks they will not accept. For instance, they generally do not cash post-dated checks or checks dated more than 180 days prior.

Additionally, out-of-state checks and certain types of tax checks may not be eligible for cash at Walmart. If you need clarification, contacting your local Walmart is best to confirm if your specific check can be cashed.

Alternative Check Cashing Options

If there are better options than Walmart for cashing your check, plenty of other financial institutions and money services businesses might suit your needs. Some alternatives include:

  • Bank Accounts: If you have a bank account, your financial institution may provide check cashing services at no or low cost, especially if the check is drawn from the same bank.
  • 401(k) Retirement Disbursement Checks: Most banks and credit unions will cash 401(k) retirement disbursement checks for their customers, so it’s worth considering opening an account if you still need to get one.
  • MoneyGram: MoneyGram is a popular option for cashing checks, including personal, money order, and two-party checks. Remember that fees may vary depending on the check type and amount.
  • Other Check-Cashing Services: Many grocery stores, convenience stores, and specialized check-cashing businesses offer check-cashing services, often for a fee. Before using these services, compare their fees and terms to ensure you get the best deal.

Remember to explore your options and find the most convenient and cost-effective check-cashing solution that works for you.

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