What Kind of Checks Does Walmart Cash In? A Comprehensive Guide


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Walmart is a popular destination for many people to cash their checks. The retail giant offers check cashing services at its Money Center or customer service desk. However, not all types of checks are accepted, and there are limits and fees associated with the service.

If you’re wondering what kind of checks Walmart cashes, the answer is that they accept a wide variety of checks. These include payroll checks, government checks, tax refund checks, insurance settlement checks, cashier’s checks, and MoneyGram money orders issued at Walmart. Additionally, Walmart can cash pre-printed checks, two-party personal checks, and retirement checks, among others. Checkout: How Much Does It Cost To Rent A Carpet Cleaner At Walmart? (+ Cost)

It’s important to note that there are limits and fees associated with cashing checks at Walmart. For example, the maximum amount you can cash is $5,000, and fees vary depending on the type of check and the amount. Additionally, Walmart may require a valid government-issued ID and other documentation to cash your check.

Types of Checks Walmart Cashes | Checks Does Walmart Cash In

Walmart offers check cashing services for a variety of check types. Here are the types of checks Walmart cashes:

Payroll Checks

Walmart cashes payroll checks issued by employers. These checks include payments made to employees for their work. To cash a payroll check, the check must be printed and include the employer’s name and address, the employee’s name, and the amount of the payment.

Government Checks

Walmart cashes government checks, including tax refund checks, Social Security checks, and other government-issued payments. To cash a government check, the check must be printed and include the government agency’s name and address, the recipient’s name, and the amount of the payment.

Tax Checks

Walmart cashes tax refund checks issued by the Internal Revenue Service (IRS). To cash a tax refund check, the check must be printed and include the recipient’s name, the amount of the refund, and the tax year for which the refund was issued.

Cashier’s Checks

Walmart cashes cashier’s checks, which are checks issued by a bank or credit union. To cash a cashier’s check, the check must be printed and include the bank or credit union’s name and address, the recipient’s name, and the amount of the payment.

Insurance Settlement Checks

Walmart cashes insurance settlement checks issued by insurance companies. To cash an insurance settlement check, the check must be printed and include the insurance company’s name and address, the recipient’s name, and the amount of the payment.

Money Orders

Walmart cashes MoneyGram money orders issued at Walmart stores. To cash a MoneyGram money order, the money order must be purchased at a Walmart store and include the recipient’s name and the amount of the payment.

Keep in mind that Walmart has certain requirements for check cashing, such as a valid government-issued photo ID and a limit on the amount of the check. Additionally, Walmart may charge a fee for check cashing services. For more information on Walmart’s check cashing policy, visit their website.

Walmart Check Cashing Policies

Walmart provides a check-cashing service to its customers, which is a convenient way to access cash without having to go to a bank. Here are some of the key policies that Walmart has in place for check cashing:

Check Types

Walmart accepts a variety of check types, including pre-printed checks, business checks, payroll checks, government checks, tax refund checks, two-party personal checks, out-of-state checks, MoneyGram money orders bought at Walmart, cashier’s checks, and insurance settlement checks. However, it is important to note that Walmart does not cash personal checks that are not pre-printed.

Check Limits

The check-cashing limit at Walmart varies depending on the type of check being cashed. For checks of $1,000 or less, the maximum fee is $4, while for checks over $1,000, up to the limit of $5,000 (or $7,500 from January to April), the maximum fee is $8. Two-party personal checks for up to $200 can be cashed for a maximum fee of $6.

Eligibility

To be eligible for check cashing at Walmart, the check must not be older than 180 days. Additionally, customers must provide a valid government-issued photo ID, such as a driver’s license or passport, and a Walmart MoneyCard or a valid debit card to use the check-cashing service.

Fees

Walmart charges a fee for check cashing, which varies depending on the type and amount of the check. The fee for checks of $1,000 or less is a maximum of $4, while 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.

In conclusion, Walmart’s check-cashing service is a convenient way for customers to access cash without having to go to a bank. With a variety of check types accepted, reasonable fees, and eligibility requirements, Walmart’s check-cashing policies are designed to help customers get the cash they need quickly and easily.

Walmart Check Cashing Fees

Walmart offers check cashing services at its Customer Service Desk. However, customers will need to pay a fee to cash their checks. The fee varies depending on the type of check and its amount.

Here are the Walmart check cashing fees:

  • Personal checks up to $1,000: $4
  • Two-party personal checks up to $200: $6
  • Checks above $1,000: $8

It’s worth noting that Walmart has check-cashing limits that change depending on the time of year. From January to April, customers can cash checks up to $7,500.

It’s important to keep in mind that Walmart check cashing fees may vary by location. Customers should check with their local Walmart store to confirm the fees before cashing their checks.

Additionally, Walmart offers additional services like money orders and wire transfers at some of its stores. Customers should check with their local Walmart store to see if these services are available and what the fees are.

Overall, Walmart check cashing fees are reasonable and competitive compared to other check cashing services. Customers who frequently need to cash their checks may find Walmart’s services convenient and affordable.

Limitations and Restrictions

Walmart has some limitations and restrictions when it comes to cashing checks. Here are some of the key points to keep in mind:

  • Walmart doesn’t cash handwritten personal checks. Only pre-printed checks are accepted for cashing.
  • Two-party personal checks are limited to $200, and the maximum fee for cashing them is $6.
  • Pre-printed checks up to $1,000 have a maximum fee of $4. For pre-printed checks above $1,000, the maximum fee is $8.
  • Walmart can cash various types of checks, including government checks, tax refund checks, 401(k) or retirement checks, insurance settlement checks, payroll checks, cashier’s checks, and MoneyGram money orders issued at a Walmart.
  • The check-cashing limit is $5,000 in most states. However, Walmart increases this limit to $7,500 between January and April of each year.

It’s important to note that Walmart reserves the right to refuse to cash a check for any reason. Some of the reasons why Walmart may refuse to cash a check include:

  • The check is post-dated or has already been cashed.
  • The check is made out to a business rather than an individual.
  • The check is from outside the United States.
  • The check is more than 180 days old.
  • The check amount exceeds Walmart’s check-cashing limit.

Additionally, Walmart may require a valid government-issued photo ID, such as a driver’s license or passport, to cash a check. The name on the ID must match the name on the check.

Overall, Walmart’s check-cashing policy is relatively straightforward, but there are some limitations and restrictions to be aware of. If you have any questions about whether Walmart will cash a particular type of check, it’s best to contact your local Walmart store for more information.

Alternative Check Cashing Options at Walmart

Aside from cashing checks, Walmart offers other alternative check cashing options. Here are some of them:

Walmart MoneyCard

Walmart MoneyCard is a prepaid debit card that can be used anywhere Mastercard or Visa is accepted. It can be loaded with cash at any Walmart checkout lane, Walmart MoneyCenter, or via direct deposit. Walmart MoneyCard holders can also cash their checks up to $5,000 and have the amount added to their card.

Walmart Bill Pay

Walmart Bill Pay is a service that allows customers to pay their bills at any participating Walmart store. Customers can pay their utility, cable, credit card, and other bills using cash or a debit card. Walmart Bill Pay is available at the Walmart MoneyCenter.

Bluebird by American Express

Bluebird is a checking and debit alternative offered by American Express and Walmart. It has no minimum balance, no monthly fees, and no overdraft fees. Bluebird account holders can cash their checks up to $5,000 at any Walmart MoneyCenter and have the amount added to their account.

Walmart to Walmart Money Transfer

Walmart to Walmart Money Transfer is a service that allows customers to send and receive money at any Walmart store. Customers can send money to any Walmart store in the United States or Puerto Rico. The recipient can pick up the money at any Walmart store by presenting a valid ID and the reference number provided by the sender.

Walmart Money Order

Walmart Money Order is a secure payment method that can be used to pay bills, rent, or other expenses. It can be purchased at any Walmart store for a small fee. Walmart Money Order can be cashed at any Walmart MoneyCenter or customer service desk.

Overall, Walmart offers a variety of alternative check cashing options that cater to different needs and preferences. Customers can choose the option that best suits their situation and enjoy the convenience and affordability of Walmart’s services.

Conclusion

In conclusion, Walmart offers check cashing services for various types of checks, including pre-printed checks, business checks, payroll checks, government checks, tax refund checks, two-party personal checks, out-of-state checks, cashier’s checks, insurance settlement checks, and MoneyGram money orders bought at Walmart.

It is important to note that Walmart has a limit on the amount of a check that they will cash, which varies by location. Additionally, Walmart charges a fee for check cashing services, which also varies by location and the type of check being cashed. Customers should inquire about the fees and limits at their local Walmart store before attempting to cash a check.

Walmart does not cash handwritten checks, personal checks with multiple payees, or checks that are dated more than 180 days old. Customers should also be aware that Walmart may not cash checks over a certain amount, which can vary by location and time of year.

Overall, Walmart is a convenient option for check cashing services, particularly for those who need to cash two-party personal checks or MoneyGram money orders bought at Walmart. However, customers should be aware of the fees and limits associated with Walmart’s check cashing services and should inquire about these before attempting to cash a check.

Frequently Asked Questions

What are the check cashing hours at Walmart?

Walmart check cashing hours vary by location. Most Walmart stores offer check cashing services from 8:00 AM to 8:00 PM. However, it is recommended to check with your local Walmart store to confirm their check cashing hours.

What is the maximum check cashing limit at Walmart?

Walmart has different check cashing limits depending on the type of check. For preprinted checks cashed up to $1,000, the maximum fee is $4. Walmart can cash payroll, government, tax refund, cashiers’, insurance settlement, 401(k) or retirement disbursement checks, and MoneyGram money orders issued at Walmart. However, Walmart does not cash handwritten personal checks. The maximum check cashing limit for personal checks is $5,000, with an $8 fee for checks between $1,001 to $5,000 and a $4 fee for checks under $1,000.

Can Walmart cash payroll checks from any employer?

Walmart can cash payroll checks from most employers. However, Walmart may not cash payroll checks from certain employers due to their check cashing policies.

Does Walmart offer instant check cashing?

Yes, Walmart offers instant check cashing services. With instant check cashing, you can cash your check and get the money immediately. However, there is a fee associated with this service.

Where can I cash a personal check without a bank account?

If you do not have a bank account, you can still cash a personal check at Walmart. Walmart offers check cashing services for preprinted personal checks up to $5,000. However, Walmart does not cash handwritten personal checks.

What are some places to cash a large check like $20,000?

If you need to cash a large check like $20,000, you may need to visit a bank or credit union. Some banks and credit unions may require you to have an account with them to cash a large check. Alternatively, you can also try check cashing stores, but be aware that they may charge higher fees for cashing large checks.

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