What Time Does Walmart Stop Cashing Checks in 2022?

Walmart started out with its grocery stores in 1962. Since then, the grocery store chain has become a hub for everyday items and services. What Time Does Walmart Stop Cashing Checks?

Walmart keeps expanding its range of services to serve bigger and bigger sections of society. If you’re wondering, Walmart also offers financial services at its stores.

Sure, not all locations will have financial services, and we’ll get to that in a bit, but it is quite convenient to be able to send and receive money and even cash checks while you’re out grocery shopping.

It takes away the hassle of going to a bank and dealing with tellers. If you’re wondering about the check cashing services at Walmart, you are at the right place.

Walmart Money Centers

Walmart Money Centers

Think of Walmart Money Centers as the financial department at Walmart. Walmart advertises them as ‘You are one-stop for financial services. Indeed, Money Centers offer a wide variety of financial services. Some of the services they offer include:

  • Credit card services: apply for a credit card, pay the bill, etc.
  • Debit card services: Walmart MoneyCard, Visa debit card services, etc.
  • Money transfer services: Send and receive money internationally and domestically
  • Walmart Gift Card services: get physical and eGift Cards, other gift cards
  • Other services: check cashing, installment financing, check printing, money orders, etc.

Money Center works within a Walmart store. The staff working there is trained for handling financial work so you can rest assured, the service experience can be considered quite close to an actual bank.

Notice that Walmart Money Centers offer to check cashing services under other services heading. This means that you could just walk up to a Money Center at your nearest Walmart and get your check cashed easily.

Note that not all Walmart locations have a Money Center, if you walk into a Walmart without a Money Center, you will not have access to the financial services. Let us see how to find out whether the Walmart store has a Money Center or not.

To find out Money Center at a Walmart location

Walmart provides an easy-to-use online tool that can be accessed via desktop or a smartphone. The tool is known as Walmart Store Finder. While the primary function of the tool is to help locate Walmart stores, it does provide details about Money Centers.

After you’ve typed in your location in the search box and the stores show up on the map, click on any store and choose the big ‘i’ button that says Details. This will bring up store-specific information.

If you see ‘Money Services’ mentioned under the store details, you know that the store has a Money Center. Just drive to the store, walk-in, and get your check cashed.

What are Money Center timings?

Walmart Money Centers operate within a Walmart store, however, their timings differ a bit. In general, Money Centers are open:

  • 8 a.m. to 8 p.m. Monday to Saturday
  • 10 a.m. to 6 p.m. on Sundays

Please keep in mind the time differences for Sunday. For the stated timings, Money Centers are fully operational and all the various services that we mentioned before are available unless there is some technical issue or other kinds of problem. This means that check cashing services are also available for the same time period.

Therefore, as long as it is within the stated timings, and the Money Center is still open, you can just walk into a Walmart and get your check cashed. Make sure to carry valid identification, more on this later.

Can you cash checks at Walmart?

Can you cash checks at Walmart?

Yes, you can cash checks at a Walmart store. The only thing you need to make sure of is that the store must have a Money Center. To check for a Money Center at a particular location, follow the method we explained above.

With that said, you will have to check if Walmart cashes the specific type of check you are carrying. Because there are so many different types of checks, it is good to know beforehand whether Walmart can cash the type of check you are carrying or not.

Check this out: What Times Does Walmart Money Center Close?

Checks eligible for cashing:

  • Payroll checks
  • Government checks
  • Tax refund checks
  • Cashiers’ checks
  • Insurance settlement checks
  • 401(k) retirement checks
  • Money orders from MoneyGram (must be originally purchased at a Walmart)

Checks ineligible for cashing:

  • Handwritten or cash paid personal checks
  • Starter checks
  • Savings bond checks
  • Any other handwritten checks
  • EFS checks
  • Comdata checks
  • Check with multiple payees
  • Money orders not made at MoneyGram
  • Money orders from MoneyGram not originally purchased at a Walmart.

See Also: Do Walmart Cash Personal Checks?

Costs for cashing a check at Walmart

Walmart charges a flat fee based upon the total value of the check. The fee is levied as per the following criteria:

  • $4 for checks up to $1000
  • $8 for checks above $1000 up to $5000

The good thing about this is that the fee is flat and not as a percentage. This means that you do not pay more when you get a more expensive check cashed. However, the same thing has been criticized as well.

In many cases, it is cheaper to get your check cashed at a bank since for many people charging $4 for cashing a $100 check is not really justified.

Note that Two-Party checks have a different fee rate that goes up to $6. Check with the Money Center for an exact amount.

Check cashing limits at Walmart

While Walmart cashes checks, it imposes certain limits on the maximum amount that you can cash. For any type of eligible check that is not a two-party personal check, the maximum amount is $5000. You will have noticed already that the fee structure is also not defined for amounts above $5k.

For specific months of January through April each year, Walmart temporarily increases its maximum limit to $7500. The extra cashing fee is charged, contact the nearest Money Center for an exact amount.

As for two-party personal checks, the maximum limit is capped at $200. If the amount on your check exceeds this limit, it is best to head over to a bank for the same.


Financial services at Walmart have made it very convenient for the customers who need to make a quick transfer or a quick check cashing. Cashing your check at the nearest Walmart is an easy process.

Make sure to adhere to the timings as mentioned, because after or before the timings, financial services are not available. Note that timings for Sundays and Saturdays are different.

Lastly, coming back to the titular question, Walmart stops cashing checks at 8 p.m. for Mondays through Saturdays and 6 p.m. for Sundays.

FAQs on What Time Do Walmart Stop Cashing Checks?

What Time Does Walmart Stop Cashing Checks

Can I cash a check at Walmart anytime?

No, you cannot cash a check at Walmart anytime. Check to cash is available at Walmart Money Centers, the timings for which are 8 a.m. to 8 p.m. for Mondays to Saturdays and 10 a.m. to 6 p.m. for Sundays. You can cash your checks at any of these timings.

Where can I cash my check after 9 pm?

If you are looking to cash a check or checks after hours, unfortunately, Walmart won’t cash them. What’s worse is that by 9 p.m. most banks are also closed for the night. However, there are still a few good options, try cashing your check(s) at any of the following places:

Can I cash a 1200 check at Walmart?

Yes, Walmart can cash checks up to $5000, so you can easily get your 1200 checks cashed there.

Can someone else cash my check for me at Walmart?

Unfortunately, someone else cannot cash your check for you. It has to be you. This is because cashing a check at Walmart requires endorsement with valid ID proof.

See Also: Does Walmart Recycle Plastic Bags and Bottles?

Leave a Comment