Does Walmart Have ATMs – Locations, Withdrawal Limits & More

Have you ever found yourself wondering whether Walmart has ATMs? It’s a common question, especially when you’re in need of some quick cash.

Many Walmart stores across the United States have ATMs available, offering customers a convenient way to access their funds.

Keep in mind, though, that using a Walmart ATM might incur a fee that typically ranges from $1 to $4 per transaction, depending on the store location and your banking network. That’s pretty standard with any standalone ATM that’s operating within the confines of a retail business.

With ATMs in several Walmart locations, you can be at ease knowing that obtaining cash is just a few steps away while you’re shopping.

Locating Walmart’s ATMs

You can easily locate a Walmart ATM by following these simple steps:

Most Walmart ATMs are located when you first enter the store. This means you can locate them at the front of the storm near customer service or by the other machines as the Coinstar booth.

In my experience, the ATMs are rarely just out in space, so you’ll have some degree of privacy when working on your transaction and requesting cash. Walmart ATM machines are typically easy to spot, as they often have a large blue sign displaying “ATM” above them.

You can also find nearby Walmarts with ATM’s by using entering your city, state, or ZIP code here. Then, you can filter the results based on services, making locating the right store for your needs even easier.

This means you won’t need to worry about visiting multiple locations to find an ATM, and wasting transportation and time on guessing.

Dealing With Walmart ATM Fees

While Walmart offers convenience with its ATMs, it’s essential to know that fees may apply when using these ATMs. Walmart ATMs typically charge a fee for cash withdrawals, which can vary between $1 to $4 depending on the bank.

In order to help you understand these fees, here’s a brief rundown of some reasons why they exist:

  1. ATM operation costs: maintenance, network connectivity, and staffing to keep the machine functional all contribute to its cost.
  2. Third-party fees: some Walmart ATMs may be owned or operated by third-party financial institutions, which may charge a fee for using the service.
  3. Out-of-network fees: your bank may charge you additional fees if you use an ATM not part of their network.

Of course, nobody wants to pay these fees. So, there are some ways to help you minimize or avoid these fees, consider the following tips:

  • Get cash back when purchasing using your debit card at the Walmart register, it costs you nothing but a product purchase.
  • Check with your bank for any potential fees they may charge for using an out-of-network ATM.
  • Look for an ATM within your bank’s network near the Walmart store.

Fund Limitations and Denominations at Walmart ATMs

Next, it’ll help to get into some of the withdrawal limits, denominations, and other related information you may need when using a Walmart ATM.

Typically, the withdrawal limits at Walmart ATMs range from $200 to $1,000 per transaction. However, it’s essential to note that your bank or financial institution may have its own separate daily withdrawal limits in addition to Walmart’s limits.

When it comes to the available denominations at Walmart ATMs, there might be variations depending on the machine’s location and the bank that operates it. Common denominations available include:

  • $1
  • $5
  • $10
  • $20

That’s pretty flexible for an ATM if you ask me. This means you can get even the smallest of bills thats sometimes you can’t get at a standard cash register when getting cash back.

You can avoid some fees if you use a Walmart MoneyCard at in-store ATMs, as they usually offer no-charge transactions.

Using Debit, Credit, and Walmart Money Cards at ATMs

Third-party companies provide some of these ATMs that you see in Walmart. Then there are others that are Walmart’s own Express ATMs. The fee for using a Walmart Express ATM is typically $1.00.

Here’s a brief rundown of the cards you can use at Walmart ATMs and their benefits:

  1. Debit Cards: Most major debit cards are accepted at ATMs in Walmart stores. You can withdraw cash as you normally would, subject to the fees set by your bank and the ATM provider.
  2. Credit Cards: While less common than debit cards, some ATMs also accept major credit cards. But be cautious, as cash advances from credit cards may come with higher fees and interest rates.
  3. Walmart MoneyCards: These prepaid debit cards can be used at ATMs that accept Visa Debit and Debit MasterCard. Using them in-network may allow you to avoid certain fees associated with using other cards.

What are the ATM fees for the Walmart MoneyCard?

As a Walmart MoneyCard holder, it’s important to be aware of the fees associated with using ATMs.

You can avoid ATM fees by visiting a MoneyPass ATM when withdrawing money. With over 24,000 MoneyPass ATMs available, finding one should be easy. At these MoneyPass ATMs, cash withdrawals and balance inquiries come with no additional fees.

The fees associated with the Walmart MoneyCard can be summarized as:

  • Cash withdrawal or balance inquiry at MoneyPass ATMs: No fee
  • Cash withdrawal or balance inquiry at non-MoneyPass ATMs: $2.00

Walmart ATMs vs. Other Retailer ATMs

When comparing Walmart ATMs to those at other retailers, such as Walgreens, there are several factors to consider. This section will explore the differences and similarities in terms of availability, fees, services, and customer satisfaction.

First, let’s talk about the availability of ATMs. Walmart has ATMs at many of its locations throughout the United States. Similarly, Walgreens offers nationwide access to ATMs in most of their stores. This means you can easily find an ATM while shopping at either retailer.

In terms of fees, both Walmart and Walgreens ATMs charge a fee for withdrawals. However, Walmart has an advantage if you own a MoneyCard. These cardholders can use in-store ATMs without a fee, making it more convenient for frequent Walmart shoppers to access their cash.

Some of the services provided by both Walmart and Walgreens ATMs include:

  1. Cash withdrawals
  2. Account balance inquiry
  3. Deposits (depending on the ATM network)

Walmart has an additional feature with their MoneyCenters, where customers can access an ATM and perform other financial services such as bill payments, money transfers, and check cashing at select locations.

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