Does Walmart Cash Checks?

Walmart is well known for its everyday low prices on a wide variety of products such as groceries, electronics, clothing, and more. Walmart also offers a wide range of financial services.

These services include credit cards, prepaid debit cards, domestic & international money transfers, money orders, installment financing, tax prep services, check cashing, and more.

You can cash checks at Walmart’s Money Center or Customer Service Check. Walmart charges a $4 fee to cash checks up to $1000, and $8 to cash checks between $1,001 to $5,000.

To cash a check at Walmart, you have to endorse your check by signing on the back of the check.

Then you bring your endorsed check and ID to a Walmart Money Center or Customer Service Desk. Once you have been approved and paid the Walmart fee, you will be able to get your cash.

Before you can cash your check, you need to endorse the check first. Endorsing a check means signing your name on the back of the check.

When people get paid with checks, it is common practice for them to sign the back of the checks before they deposit the checks into their banks.

When cashing a check at Walmart, you are required to endorse it or Walmart will not cash it.

Moreover, make sure your check or money order is in good physical condition. As part of the check cashing process, Walmart will use a scanning machine to read your check.

If your check has wrinkles, tears, or smudges, the machine may not be able to read it probably. In that case, your check will be denied.

Related: How Much is Walmart Money Order? Domestic & International Price Chart

You also need a valid government issued ID such as a driver’s license, a state ID, or a passport. You may also need to give Walmart your Social Security number (SSN) before they would approve your check.

So, bring your Social Security card, or at least have your social security number memorized or written down on a piece of paper.

Make sure you have enough money with you to pay Walmart’s check cashing fees, which are either $4 or $8 depending on the amount of the check you are trying to cash.

Walmart will not cash your check unless it gets paid first, so do not count on taking money out of your check to pay for your check cashing fee.

You do not need to register with Walmart or have a Walmart credit or debit card to cash a check there.

However, if you want to deposit your check into your Walmart MoneyCard, you do have to bring your MoneyCard with you. Otherwise, you would have to spend the money ($1) to purchase a new MoneyCard.

Walmart puts a limit on the amount of a check you can cash there:

  • Two-Party personal checks are limited to $200
  • All other checks are limited to $5,000 (limit raised to $7,500 during tax season from Jan to Apr every year)

Cashing a Check at Walmart | Step-by-Step

There are over 4,700 Walmart locations in the United States. Over 90% of Americans live within 15 minutes of a Walmart store which makes Walmart a convenient place to cash a check.

The process of cashing a check at Walmart is quick and easy. Just follow the step-by-step instructions below.

Related: What Time Does Walmart Money Center Open?

  1. Find a Walmart store close to you using the online Walmart Store Finder
  2. On the list of the Walmart stores close to you, click on Details of your chosen store
  3. Make sure the term Money services is listed below the heading Services at this store. If not, it means this store is not equipped to cash checks. You would need to look for a different store
  4. On the same Store Details page under the store address, you will find the business hours of that store. As of Dec 2020, most Walmart stores are open 7 am to 11 pm, 7 days a week. However, different stores in different locations may have different business hours. So, pay attention to the business hours of your chosen Walmart stores. You do not want to go there when it is closed
  5. On the right side of the same Store Details page, you can also find the phone number of your chosen Walmart store. To be safe, you can call that store in advance to confirm their business hours and that they can cash your check

Not all Walmart stores are equipped to cash checks. To find one that is, use Walmart’s online Store Finder and look for one that offers “Money services.”

The Process of Cashing a Check at Walmart

To cash a check at Walmart, you do not need to register with them, you do not need to make a purchase, you do not need to have a Walmart account, and you do not need to have a bank account. Just follow the steps below:

  1. Go to your chosen Walmart store and find the Money Center or the Customer Service desk inside the store.
  2. Tell the Walmart associate who works there you want to cash a check, and hand over your endorsed check.
  3. Let the Walmart associate knows if you would like to deposit your check into your Walmart MoneyCard instead of cashing it. If you do, hand over your Walmart MoneyCard.
  4. You will be asked for your ID. Show them a valid government issued ID such as a driver’s license or a state ID. Sometimes, you may also be asked to give your social security number.
  5. The Walmart associate will then run your check through a scanning machine. Information from your check – such as its routing number, bank account number, and the amount of the check – together with your personal ID information will be fed into an electronic system to decide whether to approve or deny your check.
  6. If your check is approved, you will be asked to pay the check cashing fee (usually $4 or $8 depending on the amount of the check).
  7. After you pay the fee, you will receive your cash or your Walmart MoneyCard with your money loaded into it. If the process went through smoothly, it should take no more than 1 or 2 minutes.

How to Deposit a Check to Walmart MoneyCard

If you want to deposit your check into your Walmart MoneyCard instead of cashing it, you have 3 ways to do it: in-person, the MoneyCard app, and the Ingo Money app.


Link to AppAccess to Money
In-Person at WalmartN/AInstant access
Walmart MoneyCard appiOS
Android
Up to 5 business days
Ingo Money appiOS
Android
Instant access

Deposit Check In-Person at Walmart

As mentioned in the section above, instead of cashing your check at a Walmart, you have the option to deposit that check into a Walmart MoneyCard. Simply tell the Walmart associate you want to load your Walmart MoneyCard instead of getting cash.

Fees:

  • $6 for Two-party personal checks up to $200
  • $4 for checks up to $1,000
  • $8 for checks $1,000 – $5,000

If you already have a Walmart MoneyCard, do not forget to bring it with you. Otherwise, you would need to spend $1 to buy a new MoneyCard.

The nice thing about depositing your check directly into a Walmart MoneyCard is that Walmart will waive the usual MoneyCard reloading fee of $5.95.

This way, you get to reload your MoneyCard for free. However, you still need to pay the usual Walmart check cashing fee.

Deposit Check Using Walmart MoneyCard App

You can also deposit your check into your MoneyCard using the Walmart MoneyCard app. The great thing about doing it this way is that it is completely free.

You do not have to pay Walmart’s $5.95 MoneyCard reloading fee and you do not even have to pay any check cashing fee (typically $4 or $8 depending on the size of your check.)

Walmart MoneyCard App takes up to 5 business days for the check deposit to take effect.

​Step 1. Download The MoneyCard App

The MoneyCard App is available for both iOS and Android:

Step 2. ​Set Up a MoneyCard Account Online

Before you can use the MoneyCard App, you need to set up a MoneyCard account first. To set up a MoneyCard online account, make sure you have the following things with you:

  • A Walmart MoneyCard – you can purchase one either online or at a Walmart store
  • Your Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)
  • The 16-digit card number of your MoneyCard
  • The CVV (Card Verification Value) code of your MoneyCard – it is the 3-digit security code found on the back of your card
  • A valid email address. If you do not have one, you can sign up for a free web email account on services such as Google’s Gmail or Microsoft’s Outlook email

When you are ready to set up MoneyCard account, follow these steps:

  1. Go to the Walmart website for MoneyCard account setup
  2. Fill in the 16-digit card number of your MoneyCard, its expiration date, and the 3-digit CVV code found on its back
  3. Tap Next
  4. On the next screen, enter your name, address, date of birth, email address, and mobile phone number
  5. You will also have to come up with a User ID and a password for your MoneyCard account. For User ID, choose something easy for you to remember and not already taken by another user. For password, choose something that is not easy to guess. So no “password123”. Preferably, your password should contain upper and lower case letters, numbers, and special characters such as % or &
  6. You will also be asked to provide answers to some personal security questions such as “What is the name of the street you grew up in?
  7. Review the information you have provided and make sure it is accurate. If you need to make any changes, simply tap Edit to do so
  8. If everything looks good, tap Confirm and you are all set

Step 3. Deposit Check Into Your MoneyCard

To deposit your check using the MoneyCard App, make sure The check you want to deposit is made out to you, and you have endorsed the check. Sign the back of the check and write “for mobile deposit only” above your signature in blue or black ink. Unless you do this, your check will not be approved. Then, follow the steps below:

  1. Sign in to the MoneyCard App using the User ID and password you chose in the section above.
  2. Tap Deposit and then Deposit a check.
  3. Follow the instruction of the App, take a photo of the check using the camera of your smartphone.
  4. Enter the amount of the check, and you are all set.

It will take up to 5 business days for the money you deposited to become available to you. You will get a notification from your MoneyCard App when it does.

There is no fee to use the MoneyCard App to deposit checks to your MoneyCard. Compared to depositing a check at a Walmart store, doing it with a MoneyCard App will save you the check cashing fee ($4 or $8 depending on the size of the check.)

Deposit Check Using Ingo Money App

Depositing checks using the MoneyCard App is free and convenient, but it takes up to 5 business days before your money is loaded into your MoneyCard.

If you need to get access to the money on your check right away and you cannot get to a Walmart store to deposit the check there, the Ingo App is a good alternative.

It enables you to get access to your money within minutes. For a fee, of course.

Fees:

  • $5 for pre-printed payroll & gov checks up to $250
  • 2% for pre-printed payroll & gov checks over $250
  • $5 for all other checks & money orders up to $100
  • 5% for all other checks & money orders over $100

Step 1. ​Download The Ingo Money App

The Ingo App is available for both iOS and Android:

​Step 2. Set Up an Ingo Money Profile & Link Your MoneyCard Account

Before you can use the Ingo Money app to deposit checks into your MoneyCard instantly, you need to set up an Ingo Money profile and link your MoneyCard account to your Ingo Money profile.

To set up an Ingo Money profile and to link your MoneyCard account, make sure you have the following things with you:

  • Your Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)
  • The 16-digit card number of your MoneyCard
  • The CVV (Card Verification Value) code of your MoneyCard – it is the 3-digit security code found on the back of your card
  • A valid email address. If you do not have one, you can sign up for a free web email account on services such as Google’s Gmail or Microsoft’s Outlook email

How to Set Up Your Ingo Money Profile:

  1. Download and install the Ingo Money App
  2. Tap Register to set up your profile
  3. Fill in the required information such as your name, phone number, and Social Security number
  4. You also need to enter your email address. It will serve as your username for Ingo Money App
  5. Choose a password
  6. Tap Submit
  7. You are all set

Step 3. Link Your MoneyCard to Your Ingo Money Profile

  1. From the main menu of the Ingo Money App, tap My Accounts and then tap Link a New Account
  2. Tap the Card tab
  3. Enter the 16-digit card number, the 3-digit CVV, and the expiration date of your MoneyCard
  4. You are all set

​Step 4. Deposit Checks Into Your MoneyCard Using the Ingo Money App

To deposit your check using the Ingo Money App, make sure The check you want to deposit is made out to you, and you have endorsed the check.

Sign the back of the check, or your check will not be accepted. Make sure the amount of the check is more than $5 and less than $5,000, and follow these steps below:

  1. Sign in to the Ingo Money App using your email address and the password you chose in the section above
  2. Tap Cash a Check
  3. Tap the first check image field and position your mobile device over the check at a slight angle so that you do not cast a shadow on the check. Fit the corners of the check inside the guidelines and watch the box turn green
  4. Turn the check over and tap the second check image field to repeat the process and take a photo of the back of the check
  5. After you have taken pictures of your check, the app will display the amount of the check. Simply confirm that the amount is accurate or correct it. Then tap Next
  6. Next, you will be asked to choose whether you want your Money in Minutes for a fee or your Money in 10 Days for no fee
  7. Then, you will be prompted to select where you want Ingo Money to send your money. Tap your linked MoneyCard account to send your money there
  8. Your check will be reviewed by Ingo Money. After a few minutes, you will know if your check is approved. If it is, the money will be deposited into your linked MoneyCard instantly

​Ingo Money Fee

If you choose Money in Minutes when you deposit your check, you will have to pay a fee:

  • Pre-printed payroll & government checks
    • Check amount of $250 or less: $5
    • Check amount of more than $250: 2%
  • All other checks & money orders
    • Check amount of $100 or less: $5
    • Check amount of more than $100: 5%

If Your Check Got Denied

The most common difficulty people have with cashing checks at Walmart is getting their checks denied.

Walmart uses outside systems to process its check cashing. Most Walmart locations use a system from TeleCheck, a check authorization service. A few Walmart locations use Certegy, a system similar to TeleCheck.

Both TeleCheck and Certegy use information about you, such as your ID and Social Security number, as well as the information on your check, such as its amount and routing number, to decide whether to approve or deny your check.

You may get denied if you have not cashed enough checks for the systems to build a sufficient file on your identity.

You may also get denied if the combination of your identity and the information on your check shows too much similarity with previous check cashing cases that are known to be frauds.

If TeleCheck or Certegy denies your check, there is nothing that Walmart can do. So it would be pointless to argue with the Walmart associate in that case.

If your check is denied, what you can do is to ask for the name of the system that Walmart location uses – TeleCheck or Certegy.

You can then contact either TeleCheck or Certegy and ask for the file they have on you. Go over that file to see if it contains any information that is inaccurate or incomplete.

If it does, bring it up with the company and make sure they correct their mistakes.

If you continue to get denied by Walmart for check cashing, go to cash your checks at a different place that does not use either TeleCheck or Certegy.

Your best bet is to cash your checks at a bank as most banks do not use either TeleCheck or Certegy.

You can also cash your checks at a grocery store, many of them, such as Hannaford and WinCo, also do not use either TeleCheck or Certegy.

Better yet, many banks and grocery stores charge lower fees for check cashing than that of Walmart (see table below.)

Walmart Check Cashing Fees Comparison

The cost of check cashing at Walmart is typically much cheaper than that at payday loan stores which can go up to 10% of the check value.

On the other hand, some banks such as Capital One and Citibank will cash your check for free even if you do not have an account there.

Some retailers such as Kmart and Hannaford will also cash checks for just $1, much lower than the $4 to $8 charged by Walmart.

The table below summarizes the check cashing fees charged by various check cashing stores, banks, and retailers.

Check Cashing Store / Retailer / BankCheck Cashing Fee
Payday Loan StoreUp to 10% of total check amount
Ace Cash Express3% of total check amount
Speedy CashVaries - $2 minimum
PLS1% + $1 for checks up to $1,000
Walmart$6 for Two-party personal checks up to $200
$4 for checks up to $1,000
$8 for checks $1,000 - $5,000
Kmart$1 for Two-party personal checks up to $500
$1 for checks up to $2,000
Kroger$3 for checks up to $2,000
$5.50 for checks $2,000 - $5,000
Publix$3 to $6
Fred Meyer$4 for checks up to $2,000
$7 for checks $2,000 - $5,000
Safeway$2.25 for every $200 cashed
7-Eleven0.99% of total check amount
WinCo$5 for checks up to $500
$10 for checks $500 - $1,000
Winn Dixie$3.50 for checks up to $500
Stop & Shop$0.50 for checks up to $500
Hannaford$1 for checks up to $1,000
Hy-Vee$2 to $6
Food City$3 for checks up to $1,000
Giant Food$1 to $1.50
Dillons$3 for checks up to $2,000
$5.50 for checks $2,000 - $5,000
Bank of America$8.00
Chase$8.00
Capital OneFree
CitibankFree for checks under $5,000
Wells Fargo$7.50
U.S. Bank$5.00
HSBCFree for personal checks
$3 for business checks up to $100
$5 for business checks of $100 or more
SunTrust$7.00
TD Bank$7.00
Citizens Bank$7.00

Types of Checks Walmart Cashes

Yes, Walmart will Cash payroll checks. Payroll checks are checks issued by employers to pay their employees. They are almost always pre-printed checks. Most check cashing places will cash payroll checks.

Yes, Walmart will Cash government checks. Government checks are checks issued by the Federal, state or local governments.

They are used for paying government expenses such as employee payrolls, vendor bills, tax refunds, disability benefits, stimulus checks, and social security checks. Government checks are always pre-printed.

Yes, Walmart will Cash tax refund checks. Tax refund checks are government checks issued by the government to pay for tax refunds. They could be for refunding federal, state, or local taxes. Tax refund checks are always pre-printed.

Yes, Walmart will Cash cashier’s checks. A cashier’s check is a check guaranteed by a bank. It is drawn on the bank’s own funds, written in the bank’s name, and signed by a bank cashier. Cashier’s checks are treated as guaranteed funds because the bank is responsible for paying the check to the payee. Cashier’s checks are always pre-printed.

Yes, Walmart will cash insurance settlement checks. An insurance settlement check is a payment sent at the end of a personal injury or car accident case after a settlement has been reached. It is sent by the defendant’s insurance company to the plaintiff as specified in the settlement. It is used to cover damages such as medical bills, lost wages, property damages, and more. Insurance settlement checks are always pre-printed.

Yes, Walmart will cash 401k or retirement account disbursement check is a distribution from a retirement plan such as a 401(K), IRA, or pension plan. It serves as a regular payment to the participant of the retirement plan after they have retired. 401(K) & retirement account disbursement checks are always pre-printed.

Yes, Walmart will cash MoneyGram Money Orders Originally Purchased at a Walmart. A money order is a guaranteed payment you purchase from a company. It is similar to a cashier’s check in the sense that they are both guaranteed payments. But unlike a cashier’s check, a money order is sold by places such as Walmart or post offices instead of banks. Walmart sells money orders issued by a company named MoneyGram. Walmart also cashes money orders issued by MoneyGram, but only if they are purchased at a Walmart.

Yes, Walmart will cash two-party personal checks. A two-party personal check is a personal check that has 2 payees. It is made out to “Party A and Party B” or “Party A or Party B.” In general, Walmart does not cash personal checks. But it makes an exception for two-party personal checks. But even then, Walmart sets a very low limit for two-party personal checks – it only cashes this type of checks for up to $200.

Types of Checks Walmart Will Not Cash

Many types of checks or money orders are not accepted at Walmart for cashing. They include:

  • Walmart does Not Cash Personal Checks: Walmart does not cash personal checks that are not two-party personal checks
  • Walmart does Not Cash Handwritten Checks: Any checks that contain information such as amount, payee, or date written by hand
  • Walmart does Not Cash Third-Party Checks: A third-party check is a check that has been endorsed by the original payee to be signed over to a third party. For example, a check may originally be made out to “Party A.” Then “Party A” writes “Pay to the order of Party B” on the back of the check and endorses it (signs it.) This turns the check into a third-party check
  • Walmart does Not Cash Checks Dated More Than 180 Days Prior: If the date on a check is more than 180 days old, Walmart will not cash that check. For the Walmart MoneyCard App, the threshold is 90 days
  • Walmart does Not Cash Post-dated Checks: A post-dated check is a check with a date written on it that is still in the future. Typically, people post-date a check hoping that the check will not be cashed or deposited until the future indicated date. However, in the United States, post-dated checks are negotiable instruments and can be cashed and deposited at any time. Many banks will cash a post-dated check. But not Walmart
  • Walmart does Not Cash Altered Checks: An altered check is a check that has its information (such as its amount or name of payee) altered
  • Walmart does Not Cash Comchek or Comdata Checks: A Comchek is a form of payment issued by the payment processor Comdata. It is most frequently used by freight brokers to pay truck drivers, and it works in a similar way to a regular check
  • Walmart does Not Cash Non-MoneyGram Money Orders: Walmart only cashes money orders that are issued by the company MoneyGram. All other money orders, including those issued by the post office, Western Union, banks, or credit unions, are not accepted for check cashing
  • Walmart does Not Cash MoneyGram Money Orders Not Purchased at a Walmart: And even if your money order is issued by MoneyGram, Walmart still will not cash it if it was not purchased at a Walmart