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With over 4,500 stores in the United States, Walmart is often the easiest place to get to for groceries, clothing, housewares, toys and more. But did you know you can even cash a check at Walmart? If you don’t have a bank, if your bank is not convenient, or if you just happen to be at Walmart picking up a few things, you can cash a check at a nearby location.
How To Cash Checks at Walmart
Cashing a check at Walmart is easy. Just bring your check and a valid ID, such as a driver’s license or other government-issued photo ID, to the customer service desk or the MoneyCenter at your local Walmart. Checks can be cashed whenever the service desk or MoneyCenter is open.
You’ll need to endorse (sign) the check on the back in order to cash it. The clerk at the customer service or Money Services desk will compare your signature on the check to the one on your ID to make sure it’s you. While it’s not a requirement to endorse the check in front of the clerk — you could do it ahead of time — it’s a good idea to do it there so that you’re not carrying around an endorsed check.
What Kinds of Checks Can Be Cashed at Walmart?
You can’t cash every type of check at Walmart, but you can cash many common types:
- Government checks
- Payroll checks from a payroll service like ADP
- Tax refund checks, including state or federal refunds
- Insurance settlement checks from an established insurance company
- Distribution checks from 401(k) or other retirement plans
- Pre-printed checks
- Cashier’s checks
- MoneyGram money orders that were issued at a Walmart
- Two-party personal checks (up to $200 max)
Make Your Money Work for You
How Large a Check Can You Cash at Walmart?
The largest two-party personal check you can cash at Walmart is $200. For all other types of checks, the maximum amount is $5,000 from May through December and $7,500 from January through April. Why the difference based on the time of year? Tax refund checks come in during the first four months of the year, and those can easily be over $5,000, especially for a couple filing jointly. So, Walmart increases the limit for those months.
Fees for Cashing a Check at Walmart
It will cost you to cash your check at Walmart. The fee for checks of $1,000 or less is a maximum of $4. The fee for checks over $1,000, up to the limit of $5,000 (or $7,500 from January to April) is a maximum of $8. Two-party personal checks for up to $200 can be cashed for a maximum fee of $6.
Takeaway
Cashing a check at Walmart may not be the cheapest way to do it — after all, your bank will cash a check for you for free. But it certainly is convenient, with Walmart locations all across the country. Plus, Walmart locations usually have longer hours than most banks, so you can cash your check at night or on the weekend if you need to. It’s nice to know that you have the option to cash many different kinds of checks at Walmart.
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
Make Your Money Work for You
FAQs
How to cash your check. We make it simple for you to cash your check while you're at Walmart. All you need to do is present your endorsed check to the cashier at our Money Service Center or Customer Service Desk, along with valid identification, and pay the required fee.
Why can't I cash a check at Walmart? ›
If your account has a history of fraudulent reports or checkbook thefts, Walmart may deny cashing your check. Inadequate identification: To cash a check at Walmart, you will need to provide valid identification. Walmart typically requires two forms of identification, with at least one having a photo.
Does Walmart run checks immediately? ›
How fast will my money available if I cash and deposit a check at Walmart? Money will typically be available on your card and ready to use within 10 minutes when you cash and deposit a check at Walmart.
What app will cash a check immediately? ›
The top instant check cashing apps without verification include Ingo Money, Brink's Money, PayPal, Venmo, Cash App, Chime, and Flare Account. These apps allow you to quickly cash checks by taking photos with your phone for deposit into bank accounts or prepaid cards.
What's the most Walmart will cash a check for? ›
Walmart MoneyCenter Services
| Bill pay | Consumers can pay bills in Walmart stores with over 20,000 billers available. |
|---|
| Check cashing | Customers can cash personal checks up to $200 and all other checks up to $5,000 for instant cash or have the amount added to a Walmart MoneyCard. |
9 more rowsMar 2, 2023
Visit a Retailer
"My advice for cashing a check when you don't have a bank is to go to Walmart. Their system is simple. You'll pay up to $4 for all printed checks up to $1,000 and up to $8 for all printed checks" of more than $1,000, says J.R. Duren, a personal finance writer.
Can you cash a check on Cash App? ›
To deposit a check on Cash App, you will need to have a verified Cash App account and a linked bank account. You can deposit checks up to $7,500 per day and $15,000 per month. There is a fee of 5% of the check amount for instant deposits, or 1-3 business days for free deposits.
Can I cash a written check at Walmart? ›
Cash your check at a retailer
If the issuing bank isn't an option, your next best bet is a major retailer such as Walmart or Kroger – both of which offer financial services including cashing checks.
Can you cash a printed check? ›
Once you have the printed check, you can deposit it using an online banking app or at the bank itself. You can take the check to your bank and deposit it with a teller or the ATM like a normal paper check.
What kind of checks can you cash at Walmart? ›
Walmart won't cash just any check, but there are several types that you can indeed cash at participating stores.
- Payroll.
- Government checks.
- Tax refund.
- Cashiers'
- Insurance settlement.
- 401(k)
Key takeaways. Walmart MoneyCenter hours of operation are 8 a.m. to 8 p.m. Monday through Saturday, and 10 a.m. to 6 p.m. Sunday. Walmart MoneyCenter services include check cashing, money transfers and other cash services, such as bill payment.
Why does Walmart ask for SSN when cashing a check? ›
Why does Walmart ask for social when cashing a check? - Quora. To verify that you are the one the check is written to. In other to make sure the check isn't stolen. It is a part of the identification process to cash the check.
Where can I cash a check instantly without verification? ›
Below are the best instant check Cashing Apps that don't require much verification to cash your checks.
- Ingo Money App. The Ingo Money app is a popular instant check cashing app that allows you to cash checks online and receive the money in minutes. ...
- Brink's Money Prepaid App. ...
- PayPal App. ...
- Venmo App. ...
- Netspend. ...
- Cash App.
Now for the all-important question: When will your ATM deposit be available in your checking account? Some cash deposits might be available right away. As for checks, not all banks follow the same schedule, but you can usually withdraw or use the full amount in two business days—sometimes sooner.
Does Chime cash checks instantly? ›
You may need to wait up to five business days for your money to appear in your account after using Mobile Check Deposit. This hold time helps us ensure the check clears and allows us to accept more checks through the Chime app.
Can I cash a check at any Walmart? ›
Walmart MoneyCenter services include check cashing, money transfers and other cash services, such as bill payment. All Walmart locations offer those same services, even if there isn't a dedicated MoneyCenter.
How do I cash a check without a bank account? ›
5 ways to cash a check without a bank account
- Cash your check at the issuing bank.
- Cash your check at a retailer.
- Load funds onto a prepaid debit card.
- Sign your check over to someone you trust.
- Cash your check at a check-cashing outlet.
Here are some examples of secondary IDs that might be accepted for check cashing: Employment ID: An ID issued by your employer. U.S. Birth Certificate: An official document certifying your birth in the U.S. Social Security Card: The card issued as part of the Social Security system.
