Does Walmart Cash Checks? Detailed Guide

Walmart Cash Checking Policy
Walmart Cash Checking

It’s amazing how one can pull up at an automotive shop, drop their car off for servicing, grab a carton of milk from the grocery store, and cash a check to pay for it all without going to the bank.

Most Americans do this!

In fact, there are over 9 million Americans with a report of not having a bank account. If you’re among them, cashing your paycheck at Walmart is just the best option.

Walmart helps you cash different checks including payroll checks, government checks, tax refund checks, cashiers’ checks, and many others.

In the Walmart store, you can cash any check as long as it’s a pre-printed check and you will receive your cash immediately.

Walmart will not only offer you the service of getting cash immediately, you can also save money doing it.

Saving your cash is Walmart’s specialty, and their low costs, each day, on everything is only one of the numerous ways of how they do this.

Read on as we show you How to Cash Your Check in Walmart Local Store.

Does Walmart Cash Checks?

Have you ever been strapped and you have to get cash quickly? Save yourself the hassle of going to your bank or standing in a long queue at the ATM stand to make a withdrawal.

You can use check-cashing stores like Walmart. While you shop in Walmart, you can cash your paycheck there as well.

So, to answer the question “Does Walmart Cash Checks“.

Yes, Walmart is the best place where you can cash a paper check without an account.

Because Walmart checks cashing service will offer you a low-cost way to cash a paycheck.

Note: Not all Walmart location is available for cash checking. To find one near you, visit the check cashing page of their website at

You Should Check Out: Checking Account Vs Savings Account: Difference And How To Choose

What Kind of Checks Does Walmart Cash?

A few years back, Walmart didn’t have a lot of options for their customers. Now, Walmart has extended its scope to bring satisfaction to its customers.

They offer lots of options to their customers to cash a check.

Recently, Walmart cashes these kinds of checks:

  • Payroll checks
  • Government checks
  • Tax checks
  • Cashier’s Checks
  • Insurance settlement checks
  • Two-Party Personal Checks
  • 401(k), retirement distribution checks
  • All Pre-Printed Checks

In addition, they also cash MoneyGram money orders as long as you originally purchased them at Walmart. 

Finally, the store can help you cash checks and money orders in any amount up to and including $5000.

Does Walmart Cash Personal Checks?

Walmart is not a full bank. Unlike Chase, Bank of America, or the local bank around you, they offer certain financial services.

Their services are not just paychecks, they offer other services including check-cashing services, outgoing wires, bill payments, and reloadable debit cards.

As earlier mentioned, customers may cash government checks, tax checks, cashiers’ checks, insurance settlement checks, 401(k) retirement checks, and MoneyGram money orders purchased at Walmart.

Some people often ask, “what if I need to cash a personal check but don’t have a bank account?” Will Walmart do that for me?

Unfortunately, Walmart does not cash personal checks.

The best bet you have is to visit the financial institution of the person who wrote the check for you.

How Much Does Walmart Charge to Cash Checks?

Using Walmart’s Money Centers for your banking is a better option than other cash checking services.

Their hours are convenient, and their fees are low.

Walmart checks cashing service offers a low-cost way to cash a check. They give several free alternatives.

The Walmart check cashing costs $4 for checks up to $1,000 and $8 for checks over $1,000 and $5,000, with a check-cashing limit of $5,000. This is for the Pre-Printed Check Cashing Fees.

Although from January to April of each year, they increase the cashing limit to $7,500 to accommodate tax returns. This applies to checks above $5,000.

For their Two-Party Personal Check Cashing fees, the cost is limited. They charge $6 or less for checks up to $200.

Note that Walmart charges a flat fee for checks up to $1,000.

How to Cash a Check at Your Local Walmart

Walmart makes cashing your check at their local stores easy and hassle-free. Registration is out of what you need to do to access the service.

You also don’t need to have a bank account to cash your paycheck at any Walmart local store.

You can cash your check or get a Walmart store credit card or Walmart MasterCard and they make is very simple. 

To cash your paycheck at your local Walmart store, you have to:

  • Visit your local Walmart store
  • Bring your check and valid ID; this could be a driver’s license or passport
  • Cash your check at any customer service desk or Money Services center. 

When you have finished doing this, you have your cash in a matter of minutes.

So, with all confidence, you can load your cash on your Walmart MoneyCard for extra convenience.

Can I Cash a Check at Walmart with No Money in My Account?

From the Walmart check-writing policy, if a customer doesn’t have enough money in your bank account at the time the check is presented for payment, the customer will get a deduction fee of $35 as returned fee.

This applies to two-party personal checks.

They will deduct both the returned check fee and the original payment amount from the account by EFT or bank draft.

This is part of their agreement policy when you sign the receipt at their local stores.

How Late Does Walmart Cash Checks?

Walmart allows you to cash your check during any hours their stores are open.

Depending on the location, you may cash checks at a checkout lane, customer service desk, or money center.

The usual hours for most Walmart local stores are 8 am to 8 pm from Monday through Saturday and 10 am to 6 pm on Sunday, according to Walmart, but exact times vary by store. 

You can use the store finder to check your local store hours.

Final Thought

The best place for cashing checks is at Walmart’s local store. If you often run out of cash in your pocket, look into getting a Walmart MoneyCard.

With Walmart’s check cashing process, you can have your money in a few minutes. Walmart checks cashing service will offer you a low-cost way to cash a check.

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