Does Walmart Cash Personal Checks? Walmart Check Cashing Guide 2024 [Requirements, Fees, and Limits]

February 13, 2024

Do you often require cashing a check? If so, Walmart, check cashing could be the best option for you as it has more than 5000 stores all over the US, where you can cash a check while going shopping. According to a Federal Reserve report, more than 63 million American adults are unbanked. So, if you are someone who is still unbanked or does not want to stand in long queues for encashing a check, in that case, Walmart check cashing could be a good fit for you.

State Wise Walmart Stores in the US

Check cashing at Walmart is quite a smooth process, all you have to do is visit the store with documents and the check. These facilities are provided at a low cost. In order to know how to cash a check at Walmart, whiz through this article. 

Does Walmart Cash Personal Checks?

The answer is yes, Walmart does provide the facility of check cashing. But this facility depends on the cash availability at the store. Before moving out, call and inquire about the cash availability at the particular store you are making a visit.

Walmart Store

This retail house has set up Money Center counters, especially for these transactions, but there are limits to the check cashing per week and month. Moreover, you cannot encash numerous checks at these stores, for that, you will have to visit a bank. And don’t forget that the check cashing facility is exclusively available only for U.S. residents.

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Requirements for Cash Checking at Walmart

If you want to enable cash checking at Walmart, it is necessary to know the basic requirements for this process. I have summed up some of the most important pointers pertaining to this, you can go through it.

  • You need to have two ID cards, one with a photograph and the other without a photograph.
  • The issuing bank should be legitimate.
  • Check should possess the correct routing number.
  • The check should bear the correct account number without corrections or omissions.
  • In the case of a payroll check, you will have to show a government-approved photo ID.
  • The check is not drawn because of insufficient funds.

People who were asking, can I cash a Check at Walmart, should incorporate these requirements for encashing a check in this retail store. One query that might pop up in your mind is that after fulfilling these requirements, will Walmart cash a personal check for you? Yes, they will cash a personal check for you after verification.

How Do You Cash a Check at Walmart?

The process of Walmart cash checking is not really that tough, even if it seems to you. I will eliminate all your preconceived notions by providing clear-cut pointers and steps.

  1. Visit your local Walmart store and try to locate the Walmart Money Center or customer service desk.
  2. Hand over the check you want to cash and a valid government-issued photo ID, like a driver’s license, Social Security Number, state ID, or passport.
    Social Security Number
  1. Walmart will verify the check and your identification.
  2. You will be asked for the payment mode, i.e., cash or Walmart money card.
  3. Personnel from Walmart will cash the check and hand it over with the funds if the store approves the transaction.

This is how you can encash checks at any Walmart store within the confines of the U.S. 

Types of Checks Walmart Cash

There are several kinds of checks which Walmart permits to encash at its various store locations. Before delving deeper into the topic, let’s first address the main question which is asked by customers on various social platforms, ‘Can Walmart cash personal checks’? The precise answer is yes. Let’s look at other checking options offered by Walmart. 

  • Payroll checks 
  • Government checks 
  • Tax checks 
  • Cashier’s checks 
  • Personal checks 
  • Insurance settlement checks 
  • Two-Party Personal checks 
  • 401(k), retirement distribution checks 
  • All Pre-Printed checks 
  • Business checks 
  • Certified checks 
  • SSI payments 
  • Workers compensation payments  
  • Unemployment payments 
  • Retirement distribution checks 
  • International checks 
  • Stimulus and IRS checks 
  • Third-Party checks 
  • Handwritten checks 
  • MoneyGram’s money order
    MoneyGram Money order Issued by Walmart

This list showcases the range of check cashing at Walmart. What needs to be paid attention to here is that this list also answers the recurring question of ‘Can Walmart cash personal checks’. The answer is yes, but there is a peculiarity associated with it, that is, it only allows personal checks in case of loan or debt payments, two-party personal checks, and in matters of a gift.

Benefits Associated With Cashing a Check at Walmart

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


According to Statista’s report, there are over 5,300 Walmart locations in the US. Customers in cities, suburbs, and rural areas can easily get Walmart check cashing. Thanks to its vast network of locations. Customers may save time and effort by running errands, shopping for groceries, and cashing checks all in one place with Walmart’s one-stop-shop strategy.

Extended Hours for Walmart Money Center Check Cashing

Regular banking hours are difficult for people to visit during regular business hours, since they frequently squabble with their job or school schedules. When does Walmart process payments? Typically, Walmart Money Centers are open late into the night and on the weekends in addition to regular business hours. Because of their extended hours, they are able to accommodate customers with different schedules and make sure you can always access check-cashing services.


Walmart made sure that the check-cashing procedure moved rapidly so that customers could get their money as soon as possible. It usually takes a few minutes for the retailer to verify your identity and check before you can get your cash or Walmart MoneyCard. This quick service comes in handy when you need money for unforeseen needs or bill payments.

Walmart offers a useful substitute for traditional banking choices and assists in meeting the financial demands of a wide range of people by offering convenient and effective check-cashing services.

Quick Process of Transactions

The speed at which you may cash your check at Walmart is a wonderful perk. All you have to do is pay the money and present your ID and check it to them. You’ll be out of the store in a matter of minutes after they cash your bill.

You might have to wait in a queue at a bank until it’s your turn. Additionally, the number of employees behind the desk at banks varies. You may quickly and easily cash a check at Walmart.


Walmart has check-cashing limits. Banks have higher or no limits for their customers. And the limits are not only related to encashing a check, but also the time limit associated with it.

These are some of the mind-boggling benefits of Walmart check cashing.

Walmart Check Cashing Fees and Limits

There are a handful of fees aligned with check cashing at this store, along with that, some transaction limits are also imposed on making use of this service of Walmart. You might be wondering how much does Walmart charge to cash a check? For getting a crisp answer to it, you can scan through the table given below. 

Type of CheckFees(in $)Limits(in $)
Personal Checks$4
Up to $1000
Over $1000
Two-Party Personal Check$6$200
Pre-Printed Checks $4 to $8$1000 to $5000
Payroll Checks $4$8Up to $1000Above $1000
Government Checks $4$8Up to $1000Exceed $1000

Now, you know how much Walmart charges to cash a check, you can compare it with the bank with which you have an account. And see if these fees are viable for you or not in case of emergency or for your convenience.

Restrictions and Check Cashing Hours at Walmart

People who are eager to know if you can cash checks at Walmart should also know about the restrictions associated with it. There are many restrictions imposed by Walmart in the case of Walmart check cashing. If you don’t follow these appropriately, the store personnel may decline your check. 

For saving your time and effort at the time of encashing the check, let’s move through these pointers.

  • Altered or damaged check.
  • If the check is drawn outside the U.S.
  • Expired or Post-dated check.
  • Insufficient Identification and Verification of ID proofs produced by the drawer.
  • A money order above $1000.
  • Snipped off sign checks.
  • Starter checks
  • Blank checks
  • Non-endorsed checks.

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Make sure you yourself verify the protocols mentioned above before visiting the Walmart store in order to have an easy encashment procedure.

There is also a fixed timing, which everyone should be aware of. 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. The timings might differ in specific stores, you can contact them before visiting.

Payment Methods for Walmart Check Cashing

Does Walmart cash checks? This is the most recurring question which I have addressed in the above section. But there is also one more query associated with it, which is what payment methods Walmart offers for check cashing.

Let’s find an answer to this query as well. There are two payment methods which are provided by Walmart, which are explained in detail below.


If you are facing any emergency for which you need urgent cash in that scenario, Walmart is the best place for you to go. But, as you might be aware, managing large amounts of cash is not that convenient.

But what needs to be kept in mind is that check cashing at Walmart would only be possible if the precise Walmart store possesses cash at their billing counter.

Walmart Money Card

It is a prepaid card that is provided by this retail store, through which you can make purchases at participating online and offline retail stores. If you own this card, you can request the store personnel to load the funds into your card, which you can access both online and offline.

Walmart Money Card

This is one of the most suitable payment methods for people who prefer making digital payments. The Walmart Money Card has loaded additional benefits, like cashback rewards, zero overdraft fees, and fund management through the MoneyCard app.

You can opt for any of the methods, whichever fits you well. But it is advised for your betterment to keep its card, so you can make use of it if the store is out of cash.

Other Places That Offer Check Cashing Options

Are you unwilling to visit Walmart because of the crowd, in that case, there are many other places where you can encash a check apart from Walmart. It entirely depends on your suitability that you want to visit a bank or other stores which provide the same facility.

Here are some alternatives to Walmart’s check-cashing feature: 

  1. Check-cashing stores: There are many independent check-cashing stores that specialize in cashing checks at zero cost.
  2. Online services: Several websites offer check cashing services where you can cash your check instantly online and access the funds immediately. Most of these services have a fee associated with their usage. These may include Netspend and Ingo Money.
  3. Grocery stores: Some grocery store chains, such as Giant Eagle, Albertson, Kroger, Ralph, and Publix, offer check cashing services for their customers.
  4. Credit unions: Like banks, credit unions may offer check cashing services to their members with zero or marginal fees. These include Navy Federal Credit Union, Penfed Credit Union, and Consumers Credit Union.

These are some alternatives for Walmart that could be helpful if you skip using this platform. But most of them may require you to have a bank account.

Key Takeaways From Walmart Check Cashing

Although check cashing at Walmart is not the cheapest option, it is the most practical one. In contrast, banks, like Bank of America and Citibank, have strict requirements and rigid timings for using the service. Walmart lets you access this feature for a longer duration of time, without a bank account or required list of papers.

It permits you to have some quick cash, by producing your valid ID proof. Your cash would be available in your hand within minutes if you encash it in Walmart. If you often face issues with carrying some cash in your pocket, you can also opt for Walmart Money Card.


1. Walmart MoneyCard, Issued by Green Dot Bank, Now Offered as Demand Deposit Account with Enhanced Digital Banking Tools and Features for Customers by Walmart

2. Walmart by Wikipedia

3. 7 Stores That Cash Checks by Yahoo!finance

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