Walmart Check Cashing: The Ultimate Guide

walmart check cashing

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Table of Contents

Do you live near a Walmart store and need to cash checks? If so, you’ve likely asked these questions.

  • Can you cash a check at Walmart?

  • Does Walmart cash personal checks?

  • How much does Walmart charge to cash a check?

  • Is there a Walmart check cashing fee?

Yes. Walmart cashes checks.

There’s more you need to know, but don’t worry.

I wrote this guide to discuss everything about Walmart check cashing.

Let’s begin.

Cashing Your Checks at Walmart Stores

walmart check cashing

Walmart offers check cashing services for these types of checks.

  • Personal checks

  • Business checks

  • Two-party checks

  • Paychecks

  • Government-issued checks (ex., stimulus checks, IRS tax refund checks, etc.)

  • International checks.

The process is quick and efficient.

You can choose between receiving cash or loading the funds onto a Walmart Money Card.

Note: Fees, limits, and identification requirements apply when cashing checks at Walmart.

Walmart Check Cashing: Types of Checks That Walmart Cashes

Types of Checks That Walmart Cashes

Does Walmart cash checks? Yes.

Walmart caters to diverse financial needs by offering check cashing services for various checks,

Here are the checks you can cash at Walmart stores.

Personal Checks

You’ve probably asked yourself, “Can I cash a personal check at Walmart?”

Fortunately, you can.

Walmart’s check cashing service lets you conveniently access funds from individual checks, including gifts or repayment of debts.

Cashing checks at Walmart saves you time because you don’t have to deposit the check into your bank account and wait for it to clear.

The Walmart personal checks policy requires the check to be pre-printed, properly filled out, and meet the retail giant’s eligibility criteria.

You must provide valid identification and follow Walmart’s check-cashing limits to cash personal checks. Always check with your local store for specific policies and fees.

Business Checks

Walmart can cash the checks you receive from businesses or organizations. This service benefits independent contractors, freelancers, or small business owners who may not have a bank account or prefer instant access to their funds.

Two-party Personal Checks

Does Walmart cash two-party checks? Sometimes, you might have a check written to two people, like a married couple receiving a gift or co-borrowers receiving a loan disbursement.

Walmart simplifies the process by cashing two-party personal checks, offering a one-stop solution for both parties.

Stimulus Checks and IRS checks

Stimulus Checks and IRS checks

Does Walmart cash tax checks? Yes.

By cashing your tax checks, Walmart helps you access funds quickly and ensures you receive your stimulus funds immediately.


For employees without a bank account or those who prefer not to wait for direct deposit, Walmart offers a convenient alternative by cashing paychecks.

This service helps workers receive their hard-earned money faster, allowing them to pay bills and manage their expenses more efficiently.

International Checks

International Checks

If you receive a check from a foreign country, Walmart may be able to cash it, subject to some limitations.

Not all international checks are eligible, so check with the Walmart Money Center to determine if your specific check can be cashed.

This service benefits those with family or business ties in other countries.

Cashier’s Checks

Does Walmart cash cashier’s checks? Yes.

Cashier’s checks are a secure and widely accepted form of payment for large transactions or when a more reliable payment method is required.

Walmart cashes cashier’s checks, but verifying with your local store for specific policies and fees is essential.

Handwritten Checks

Handwritten Checks

Does Walmart cash handwritten checks? Although less common, some checks are handwritten rather than computer-generated. Walmart may cash these checks, subject to verification and approval.

This additional scrutiny helps ensure the check’s legitimacy, protecting Walmart and the customer from potential fraud.

Insurance Settlement Checks

Insurance Settlement Checks

Walmart cashes insurance settlement checks, but check with your local store for specific policies, fees, and restrictions.

You must provide valid identification and adhere to check-cashing limits to cash an insurance settlement check at your local Walmart.

Walmart may verify the check’s authenticity before cashing it and reserve the right to refuse any check based on its discretion.

Third-party Checks

Does Walmart cash third-party checks? Yes.

By offering check cashing services for various check types, Walmart provides a comprehensive solution for customers in various financial situations, letting you access your funds quickly and conveniently.

Ineligible Checks: Understanding the Restrictions

While Walmart offers cashing services for various checks, certain restrictions apply. To ensure a secure and compliant financial transaction, Walmart may not cash a check due to the following reasons:

Insufficient Identification or Verification

Walmart requires proper identification to cash a check, often a government-issued photo ID. If you lack adequate identification or Walmart cannot verify the check’s legitimacy, the store can decline to cash it.

Expired or Post-dated Check

Most checks have an expiration date, usually six months from the date of issuance. Walmart will not cash an expired check.

Post-dated checks (with a future date) are not eligible for encashment since they are invalid until the specified date.

Altered or Damaged Check

Walmart can refuse to cash a check with alterations (ex., changes to the payee’s name, amount, or date) or damage that causes vital information to be illegible. This policy helps protect both customers and Walmart from potential fraud.

The Check Is Not Drawn From a US Bank

The Check Is Not Drawn From a US Bank

Walmart generally cashes checks drawn on US banks.

However, Walmart can decline to cash a check if it’s drawn from a foreign bank, even if it’s in US dollars.

Walmart can decline to avoid potential complications with international banking regulations and currency conversion.

Walmart has a specific check-cashing policy for minors.

Minors must present proper identification (ex., school ID, state ID, or passport) and be with a parent or guardian to cash a check. This policy ensures the protection of minors and compliance with legal requirements.

By understanding the types of checks that Walmart deems ineligible, you can prepare for check-cashing transactions and avoid potential issues or delays.

Consult with the Walmart Money Center if unsure whether a specific check meets the retail giant’s criteria.

How To Cash a Check at Walmart

How To Cash a Check at Walmart

Here’s how to cash a check at Walmart.

  1. Visit your local Walmart store and find the Walmart Money Center or customer service desk.

  2. Present the check you want to cash and a valid government-issued photo ID, like a driver’s license, state ID, or passport.

  3. Walmart will verify the check and your identification.

  4. Walmart will cash the check and provide you with the funds if the store approves the transaction.

Walmart Check Cashing Hours

Walmart check cashing hours vary depending on the store location and whether it has a Money Center.

Walmart Money Centers typically operate from 8 a.m. to 8 p.m. on weekdays and 10 a.m. to 6 p.m. on weekends.

However, some locations have different hours, so check your local store’s operating hours to be sure.

If your local Walmart doesn’t have a dedicated Money Center, you can still cash a check at the customer service desk. Check cashing hours will align with the store’s customer service hours.

Verify your local Walmart’s customer service hours before visiting to ensure you don’t waste your time.

Walmart Check Cashing Fees and Walmart Check Cashing Limit

How much does it cost to cash check at Walmart?

Walmart charges varying fees for cashing checks, depending on the type of check.

Here’s a breakdown of the cost to cash a check at Walmart:

  • Personal checks – $4 for checks up to $1,000 and $8 for checks over $1,000

  • Government checks – $4 for checks up to $1,000 and $8 for checks over $1,000

  • Payroll checks – $4 for checks up to $1,000 and $8 for checks over $1,000

Note: Walmart has check-cashing limits. The maximum Walmart check cashing price is $5,000, with some exceptions during tax season when the limit may increase to $7,500.

Funds Payment Methods

Funds Payment Methods

You can choose between two payment methods when cashing a check at Walmart.


If you prefer immediate access to funds or need cash for specific purposes, Walmart can provide money for your check.

This option is subject to the availability of the store’s cash supply during the transaction.

Receiving cash is a simple and efficient way to access your funds. However, carrying large amounts of money can be risky, and managing cash transactions requires additional care and security.

Walmart MoneyCard

You can request Walmart to load the funds into your Walmart MoneyCard.

This prepaid debit card offers you the convenience and flexibility of purchasing in-store, online, and anywhere that accepts Visa or Mastercard.

The Walmart MoneyCard has additional benefits, like cashback rewards, zero overdraft fees, and fund management through the MoneyCard app.

This option is ideal if you prefer cashless and secure money management and the convenience of using funds for various transactions.

Benefits of Cashing Checks at Walmart: A Closer Look

Walmart’s check cashing services offer several advantages, making it a convenient and efficient way to access your funds.


According to Walmart statistics, there are over 5,300 Walmart locations in the US.

This extensive network of stores makes Walmart check cashing an accessible option for urban, suburban, or rural customers.

Walmart’s one-stop-shop approach allows customers to run errands, shop for groceries, and cash their checks in one location, saving time and effort.

Extended Hours for Walmart Money Center Check Cashing

Traditional banking hours often overlap with work or school schedules, making it challenging for people to visit a bank during regular business hours.

How late does Walmart cash checks?

Walmart Money Centers often operate beyond standard banking hours, including evenings and weekends.

These extended hours cater to customers with varying schedules, ensuring you can access check-cashing services at any time.


Walmart designed the check cashing process to be fast, allowing customers to receive their funds as quickly as possible. Once the store verifies your check and identification, you’ll typically receive your cash or Walmart MoneyCard in a few minutes.

This speedy service is beneficial when you need funds to pay bills or cover unexpected expenses.

By providing accessible and efficient check-cashing services, Walmart helps address the financial needs of various individuals and offers a valuable alternative to traditional banking options.

Walmart Check Cashing vs. Banks

Cost Comparison

Walmart’s check-cashing fees may be lower than some banks, especially for non-customers. However, banks often offer free check cashing services for their account holders.


Walmart’s extended hours and numerous locations provide greater accessibility than banks with limited locations and operating hours.


Walmart has check-cashing limits. Banks offer higher or no limits for their customers.

Other Check Cashing Options

Walmart offers a convenient check cashing service, but exploring other options to find the best one is crucial.

Check Cashing Stores

Check cashing stores like ACE Cash Express, Check Into Cash, and Amscot specialize in cashing checks and providing related financial services. They cash a wider variety of checks but often charge higher fees.

Grocery Stores

What stores cash personal checks?

Grocery stores like Kroger, Publix, and Safeway offer check cashing services with varying fees and policies.

Payday Loan Stores

Payday loan stores like Advance America and Check ‘n Go provide check cashing services but charge higher fees due to their focus on short-term lending.

Comparing fees, services, and accessibility is essential when evaluating check cashing options. Consider factors like convenience, cost, and accepted check types when deciding.

Frequently Asked Questions (FAQs)

Can I Write a Check at Walmart if My Account Is Negative?

You can write a check at Walmart with a negative account balance. However, clearing depends on Walmart’s check acceptance policy and your bank’s ability to clear the check.

Can I Cash My Check at Walmart Without an ID?

Walmart requires an ID to cash a check, so you cannot cash a check without one.

Can Someone Else Cash My Check for Me at Walmart?

Someone else can cash your check at Walmart if it’s a two-party check and both parties are present with valid identification.

Does Walmart Cash Government Checks?

Yes. Walmart cashes government checks such as tax refunds and stimulus checks.

Does Walmart Cash Bank of America Checks?

Walmart cashes checks from Bank of America if they meet the eligibility criteria.

Do Walmart Cash Insurance Checks?

Walmart can cash insurance settlement checks, but policies, fees, and restrictions vary by location.

Provide a valid ID and follow store limits to cash an insurance check.

Does Walmart Cash Payroll Checks?

Walmart cashes payroll checks, making it convenient if you’re an employee who prefers cashing checks over receiving direct deposits.

What Time Does Walmart Stop Cashing Checks?

Walmart’s check-cashing hours vary by location, so check with your local store to be sure.

The Bottom Line

I hope this blog post has answered your questions and provided valuable insights into Walmart’s check cashing services.

Don’t hesitate to take advantage of this convenient option to meet your financial needs.

Written by: Omar Deryan

Founder of OJ Digital Solutions

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