Does Walmart Cash Personal Checks?

Does Walmart Cash Personal Checks? Before we get to that part, let us take a look at the company (Walmart).

About Walmart.

walmart company

Walmart is one of the biggest grocery store chains in the United States. Over the years, Walmart has expanded into other fields of business.

They offer many different kinds of services such as auto maintenance and even financial services. The large network and easy accessibility of Walmart stores mean these services are in reach of more people than ever before.

When it comes to financial services, Walmart offers a dedicated section at their stores, known as Money Center for the purpose. Walmart Money Centers offers many different kinds of financial services.

If you have a personal check, you might be wondering if you could get it cashed at Walmart? Read on to learn more about check cashing at Walmart.

Does Walmart cash personal checks in 2022?

Does Walmart cash personal checks?

According to the help article on the official Walmart website, Walmart does not cash personal checks. But there is a nuance. While it is true that Walmart does not cash personal checks, the rule only applies to handwritten checks or checks directly loaded with cash.

As a general rule of thumb, if the check you are carrying is a printed check, assume that Walmart can cash it. If you are unsure, the best course of action would be to give Walmart a call on their customer care at 1-800-925-6287 and the employees can confirm your particular case.

What kind of checks does Walmart cash?

Walmart cashes a variety of checks. According to Walmart, the different types of checks that can be cashed are:

  • Payroll checks
  • Government checks
  • Tax refund checks
  • Cashiers’ checks
  • Insurance settlement checks
  • 401(k) or the retirement account disbursement checks
  • MoneyGram money orders (that were originally purchased at Walmart)

Like we mentioned before, as long as the check you’re carrying is a printed one, chances are that Walmart can easily cash it.

Does Walmart cash stimulus checks?

Yes, Walmart does cash stimulus checks. In fact, Walmart can easily cash any government-issued checks

Does Walmart cash payroll checks?

According to the official website, Walmart offers payroll check cashing services. If you just got off work, and are looking to cash your payroll check, simply drive to the nearest Walmart to get it cashed.

What are the check cashing limits at Walmart?

Walmart updated its check-cashing limits the last time in 2018. In 2022, Walmart can cash checks up to $5000. If you have a check with a higher amount, getting it cashed at a bank is probably the better option since banks generally do not have any upper limits to cashing checks.

Note that if you are looking to cash a Two-Party personal check, then those are limited to a maximum of $200.

Also important to note is that Walmart increases its check-cashing limits to $7500 from January to April each year.

This is done to provide extended financial services near the end of the financial year.

If you have a check-up to $7500, it is a good idea to get it cashed during one of these months at Walmart, if these months are still away, fret not, because you can still get it cashed at a bank.

How much does Walmart charge to cash checks?

Walmart follows a very simple fee structure to cash checks at any of its locations. The charges are explained below:

  • Walmart charges $4 for any checks up to $1000
  • For any checks between $1001 to $5000, Walmart charges $8
  • In the case of Two-Party personal checks, Walmart charges a max fee of $6
  • Check cashing fee is higher if the check value is above $5000 for the January to April timeframe. Check with Walmart customer care for the exact amount.

As we can see, cashing a check at Walmart is not cheap. Sure, if you have a $1000 check, maybe a $4 fee is justified, but even then, it makes more sense to open a checking account with a bank and get the check cashed for free.

Where can you cash checks at Walmart?

Where can you cash checks at Walmart?

Walmart stores have a dedicated department known as Money Center, which handles various financial services, including cashing checks. Money Centers are usually located near the check-out section at Walmart stores.

The process of cashing a check at Walmart is quite simple. Just walk up to the counter, hand in your check, and follow further instructions to get your check cashed. You will be required to show a valid ID, so make sure to carry at least two different types of ID proofs.

How are my check funds paid at Walmart?

Once you’ve gone through the process of cashing your check at Walmart, it is time to get your funds. To receive funds, you can opt for cash.

When you opt for cash, the employee will count and hand you the exact cash. Make sure to double-check the amount, and there you go, you have cashed your check at Walmart. Additionally, there is a secondary option to receive your funds, known as MoneyCard.

Walmart MoneyCard

Walmart issues MoneyCard, which is basically a plastic card onto which money can be loaded for easy shopping at Walmart. A MoneyCard works exactly as a normal debit card does.

If you generally get money loaded onto your Walmart MoneyCard, Walmart charges a small fee of $3. However, in case of loading check funds onto the MoneyCard, Walmart waives off the loading fee. Note that the check-cashing fee still applies.

What type of checks does Walmart not cash?

Although Walmart cashes most government-issued, bank-issued, and printed checks, there are certain kinds of checks that Walmart does not cash, these include the following:

  • Personal checks (paid for by cash)
  • Personal checks (if handwritten)
  • Starter checks
  • Savings bond checks
  • Any other kinds of handwritten checks
  • EFS checks
  • Comdata checks
  • Cheks having multiple payees on them
  • Money orders not made at MoneyGram
  • MoneyGram money orders that were not originally purchased at Walmart

Additionally, Walmart will not cash your check if:

  • It is expired
  • Post-dated
  • More than 180 days old
  • The check is suspected of having been altered


Coming back to our original question, it depends on what kind of personal check you are carrying. If it is a printed personal check, Walmart will cash it. Walmart can also cash it if it is a two-party personal check.

But as we have already mentioned before, Walmart will not cash the check if the personal check was paid for by cash, or if it is handwritten. The better option would be to get it cashed at a bank branch.

Read Also: What time does Walmart stop cashing checks?

Frequent Asked Questions

Frequent Asked Questions

What type of checks does Walmart cash?

Walmart cashes a variety of checks including payroll checks, stimulus checks, and even 401(k) checks. In general, if it is a printed check, Walmart can most likely cash it. We provide an exhaustive list of all acceptable checks above.

Why would Walmart deny cashing a check?

There could be multiple reasons for the denial. In many cases, if the ID is not verified, Walmart may deny cashing the check. Other reasons include that the check is post-dated, illegible details on the check, discrepancy in matching the details, etc.

How much Does Walmart cash checks for?

Walmart charges $4 for checks up to $1000, $8 for checks from $1001 to $5000.

Is Walmart check cashing open today?

Walmart offers its check-cashing services 8 a.m to 8 p.m. Monday through Saturday. For Sundays, the timings are 10 a.m. to 6 p.m.

Will Walmart cash my handwritten check?

Walmart does accept handwritten checks. The printed details on the check, however, must match.

Check This Too: Walmart Interview Questions and Best Answers 2022.

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