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Editor’s note: The Federal Trade Commission filed a lawsuit against Walmart in June 2022. The FTC lawsuit’s goal is to have money returned to customers who were defrauded and for Walmart to be penalized. Skip ahead to read more about the lawsuit.
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.
All Walmart locations offer those same services, even if there isn't a dedicated MoneyCenter.
Skip to a section:
What is the Walmart MoneyCenter?
What are the MoneyCenter hours?
What services are available at Walmart MoneyCenters?
Are Walmart MoneyCenter services worth it?
What is the Walmart MoneyCenter?
The Walmart MoneyCenter is an in-store and online alternative to a bank. You can find prepaid debit cards, credit cards, money transfers and cash services. A MoneyCenter is dedicated to providing these money services, but all Walmart stores offer these services, even if there isn't a designated center.
If you use Walmart MoneyCenter because you don’t have a bank account, you might want to consider opening one. Many bank accounts have no monthly fees and provide the same services you get from Walmart — including sending money to friends and family and some money transfers — without fees. And many are available on your phone. (Had a hard time getting a bank account in the past? Check out NerdWallet's article on second-chance checking accounts for a possible solution.)
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What are the Walmart MoneyCenter hours?
Walmart MoneyCenter hours are 8 a.m. to 8 p.m. Monday through Saturday and 10 a.m. to 6 p.m. on Sunday, according to Walmart.
You can go to any Walmart for money services. If the store doesn’t have a MoneyCenter (or if you go outside of MoneyCenter hours of operation), you can still get money services at the Customer Service desk.
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What services are available at Walmart MoneyCenters?
Here’s a breakdown of the main products and services by category at Walmart MoneyCenters:
Product and description | NerdWallet recommendation |
|---|---|
Check cashing Cash your payroll or government checks, including tax refund checks, at Walmart stores. Expand for more details
| Best if: You need a cheap way to cash checks and don't have a bank account or a prepaid debit card. Best alternative: Try one of NerdWallet's favorite low-fee prepaid debit cards with free direct deposit or learn more about second-chance checking accounts if you've had trouble opening a bank account. Learn more: How to cash a check without paying huge fees |
Green Dot An account with a $7.95 monthly fee that can be waived. Expand for more details
| Best if: You've had a hard time getting a bank account. Best alternative: A second-chance checking account might have lower fees and help you open a traditional checking account later. |
ONE Debit Card Prepaid debit card with a 3% cash-back rewards program at Walmart and no monthly fee. Expand for more details
| Best if: You need the equivalent of a free checking account. Best alternative: Shop around NerdWallet's other picks for best prepaid debit cards or look at some of NerdWallet's favorite budgeting apps. |
Walmart MoneyCard Prepaid debit card with a cash-back rewards program: 3% at Walmart.com, 2% at Walmart gas stations, 1% at Walmart stores. Expand for more details
| Best if: You're a Walmart.com shopper and don't have a bank. Best alternative: One of NerdWallet's other recommended prepaid cards or an online bank account — some feature few fees and no overdrafts. See the best online banks. Learn more: MoneyCard review |
Bill Pay Pay your bills in-store or using the Walmart app (in-app bill pay services may be temporarily unavailable). Expand for more details
| Best if: You're a Walmart shopper and don't have a bank. Best alternative: Some of NerdWallet's other recommended prepaid cards don't charge for bill pay. An online bank account with few fees and no overdrafts can also help you pay bills without extra charges. Check out the best online banks. Learn more: Online bill pay: What it is and how to use it |
Capital One Walmart Rewards Card Credit card that can be used anywhere Mastercard is accepted. Expand for more details
| Best if: You spend a lot at Walmart.com. Best alternative: One of NerdWallet's best flat-rate cash-back credit cards. Learn more: Is a Walmart credit card right for you? |
Walmart2Walmart money transfers Service to send money between Walmart stores within the U.S., including Puerto Rico, as well as Mexico. Expand for more details
| Best if: You need to send cash quickly. Best alternative: One of NerdWallet's recommended P2P apps for online transfers. Learn more: Best ways to send money |
Walmart2World money transfers Service to send money from a U.S. Walmart store to agent locations in more than 200 countries and territories, using Western Union, Ria or MoneyGram. Expand for more details
| Best if: You need to send cash fast. Best alternative: One of NerdWallet's recommended P2P apps for online transfers. Learn more: Best ways to send money |
Are Walmart MoneyCenter services worth it?
Some of its money services are relatively cheap and don’t require that you have a bank account, but options are limited. Walmart isn’t a bank — it’s a retailer above all else. The reason the retailer is able to offer money services is because it partners with various financial institutions, including banks and licensed money transfer companies.
» Want to stash your savings at a bank? Check out NerdWallet's best savings accounts
Full-service bank accounts, in contrast, often give free services such as paper checks and access to branches and ATMs. If you have trouble opening a bank account because of your banking history, consider a second-chance checking account. They offer many of the same services as regular bank accounts. Many second-chance checking accounts require a monthly fee, but some waive the fee if you meet certain requirements.
The Federal Trade Commission filed a lawsuit against Walmart in June 2022. The FTC asserts that from 2013 to 2018, Walmart MoneyCenter facilitated money transfer fraud that cheated customers out of hundreds of millions of dollars. “Despite its awareness of a substantial amount of fraud-induced money transfers involving Walmart, for many years, Walmart has failed to effectively detect and prevent consumer fraud involving money transfers at its locations,” the FTC lawsuit states.
The FTC alleges that the company didn’t provide proper training for employees, didn’t warn customers about potential fraud exposure, and used processes that made it possible for fraudsters to cash out at Walmart stores.
In June 2023, the FTC filed an amended complaint, including additional details on Walmart's alleged violations. The amended complaint alleges that Walmart ignored scams perpetrated through its money transfers by failing to properly secure transfer procedures.
Frequently asked questions
When is the MoneyCenter open at Walmart?
Walmart MoneyCenters open at 8 a.m. Monday through Saturday and at 10 a.m. on Sunday. Call your local store to confirm its MoneyCenter hours, which may vary by location.
What time does Walmart MoneyCenter close?
Walmart MoneyCenters close at 8 p.m. Monday through Saturday and at 6 p.m. on Sunday. Call your local store to confirm the hours, which may vary by location.
