Can I Cash a Check at Walmart?- Cost, Time and Tricks You Must Know in 2024

Yes, you can cash checks at Walmart customer service desk or the dedicated Walmart Money Services desk. However, it will cost you some money and there is a limit for certain types of checks.

In a hurry?
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Tired of waiting in line to cash a check and high bank fees or do not have a bank account to cash one? 

No worries. Because retail stores cash a check for a small fee. So, Can I cash a check at Walmart?

Well, that’s what I am going to answer in this post. Moreover, I’ll also talk about which type of checks does it cash, the fee, limit, timeline, and many more related things. So, stick with me.   

Let’s start with, can you cash a check at Walmart?

Check Out Cash Check Without ID At Walmart

Can I cash a check at Walmart?

Can I Cash a Check at Walmart

Yes, you can cash a pre-printed check at Walmart at a cheaper fee than most banks and credit unions. However, Walmart does not accept all kinds of checks. 

We all know Walmart to be one of the largest retail shops. However, it offers some lesser-known services too. One such service is cashing pre-printed checks. 

For cashing checks Walmart stores even have an in-store desk in most of their outlets. It is known as the Walmart Money Services desk. Moreover, you won’t need a bank account to cash a check there.  

However, there are some limits on which kind of checks you can cash. But we’ll find out about it in the later part of this post. For now, find out how does Walmart cash checks?

How To Cash a Check At Walmart

Cashing a check at Walmart stores is pretty easy. Follow the below steps to cash checks at Walmart

  • Go to your local Walmart store. 
  • Find their Walmart money center.
  • Talk to a customer representative at the money service desk. 
  • Show them your government-issued ID card.
  • Fill in the valid form and provide the check. 
  • A customer representative will verify your check. 
  • Lastly, you can either take cash or refill your Walmart MoneyCard with the money from cash

However, to cash checks at Walmart or reload your Walmart Money Card you must abide by Walmart policy. Moreover, your local Walmart store might not have a money service desk. In that case, you just need to talk to the customer service desk and they will cash your check. 

Now let’s have a look at the Walmart check cashing limit and how much it costs. 

How Much Does Walmart Charge To Cash A Check?

Walmart charges a maximum fee of $8 for each check. However, the exact charge depends on the type of check and how much you are cashing. 

As I have mentioned before, cashing checks at Walmart stores comes at a cost. However, the check cashing fees are significantly lower than in most other places. Here is a chart of how much it cost to cash check at Walmart

Cashing AmountFees
$1,000 or less$3.74 (Maximum)
$1,000-$5,000$4-$8 (depending on the check Type and amount)

Now we know the cost to cash checks at Walmart. But what is the walmart check cashing limit?

Walmart Check Cashing Limit

Though you can cash checks at Walmart anytime with a lower fee. However, there is a limit on how much you can cash at a time. So, what is the Walmart Check Cashing Limit

Walmart money center cashes any check below $5,000. According to Walmart policy they do not accept checks exceeding $5,000. But during the holiday season, you can cash checks at Walmart up to $7,000 or more. 

So, what types of checks does Walmart cash?

What Types of Checks does Walmart Cash?

Walmart only cash pre-printed checks. Here is a list of checks that Walmart accepts

  • Tax refund checks
  • Insurance settlement checks
  • Government checks
  • Cashiers’ checks
  • Payroll checks
  • 401(k), retirement disbursement checks
  • MoneyGram money orders
  • Business checks

However, Walmart cash payroll checks, Government checks, Insurance settlement checks, and Tax refund checks only if the check is in your name. Moreover, MoneyGram money orders have to be issued at Walmart.

Type of Checks that Walmart Does Not Accept

Here is a list of checks that Walmart does not accept

  • Personal check
  • cash MoneyGram money orders not issues at Walmart
  • Two-party personal checks
  • Checks involving several people
  • Third-Party Check
  • Business checks that are not associated with you
  • Checks dated 180 days prior

However, sometimes Walmart cash payroll checks or two-party personal checks if it’s pre-printed. Now, we know what type of checks Walmart accepts. But at What time can I cash a check at Walmart?

Walmart Check Cashing Hours

Here is a chart of Walmart check cashing hours

DayOperating Hour
Weekdays8 am to 8 pm
Weekends and Holidays10 am to 6 pm

By this time we have found out Walmart check cashing Limit, the cost to cash checks at Walmart, what types of checks does Walmart cash, Walmart check cashing hours.

Does Walmart Accept Check?

Yes, Walmart accepts checks as payment for in-store purchases. However, they do not accept personal checks. But you can pay with business checks, government checks, tax checks, cashier’s checks, insurance settlement checks, 401(k) retirement disbursement checks, and MoneyGram money orders that the sender purchased at Walmart. But you might need to pay extra for the check to cash.

Does Walmart cash checks on Sundays?

Yes, Walmart cash checks on Sundays. However, their check cashing schedule is different on weekends. On Sundays, Walmart cashes checks from 10 am to 6 pm. Moreover, you can also cash checks at Walmart during holidays at the same time. The only day you can not cash checks at Walmart is on December 25th or Christmas.

Also, check Where to Cash Checks on Sundays

Do you need a Bank Account for Check Cashing at Walmart stores?

No, you will not need a bank account for check cashing at the Walmart money center.

like other, financial institutions, Walmart’s money center does not require bank accounts to cash checks. You can just walk in and provide some sort of ID and your checking cash immediately.

Moreover, you can transfer the cashed check funds into your own bank account. It can be transferred to savings accounts or a checking account or direct deposit. It can also be used for reloading Walmart MoneyCard without any reload fee.

Does Walmart cash Social Security Checks?

Yes, Walmart cash any government check that is in your name that includes Social Security Checks too. So, in case you need to cash your social security check

  • Go to the Walmart money service desk at their operating hour.
  • Show them the check and your ID
  • Pay the fees and your checks will be cashed in no time.

Does Walmart Cash Business Checks?

Yes, Walmart cashes business checks that involve you. However, they do not cash business checks that involve more than two parties. Moreover, the check has to be pre-printed. So, if you have a two-party business check then you can cash it at any Walmart store.

Can I cash personal checks at Walmart?

No, Walmart does not cash personal checks. The only downside of Walmart check cashing service is that it does not accept any type of personal checks including two-party personal checks. They do not accept personal checks even if it’s pre-printed.

Can I cash a cashier’s check at Walmart?

Yes, you can cash a cashier’s check at Walmart. They accept all types of cashier’s checks. However, the check must be in your name and you have to be the only payee. Moreover, you must present any valid ID to cash a chshier’s check at Walmart.

Can you cash Payroll Checks at Walmart?

Yes, you can cash payroll checks at Walmart. However, it must be a pre-printed payroll check in your name.

How Late Can I Cash a Check at Walmart?

Walmart stops cashing checks at 8 pm during weekdays and 6 pm during weekends including holidays. However, some Walmart stores cash checks as long as 10 PM. But it depends on your location. So, if you are lucky then you might be able to cash a check at Walmart after 8 PM.

By now we have found the answer to Can I Cash a Check at Walmart. Now let’s have a look at some of the related questions.


Here are some of the frequently asked queries related to this topic.

Can I cash a check at Walmart Online?

No, you cannot cash a check at Walmart online. Walmart only cashes checks in person at their stores. You can cash a check at any Walmart MoneyCenter. They also offer a mobile check cashing service that allows you to scan your check with the Walmart app and then get your cash at a participating Walmart store.

Do Walmart cash Insurance checks?

Yes, Walmart cash Insurance settlement checks. However, the check must only involve your name. Most insurance checks include multiple parties or in simpler words, most insurance checks include the lienholder along with you. You can not cash a multi-party insurance check at Walmart. You can only cash insurance checks that are meant for only you.

Does Walmart Cash Company Checks?

Yes, Walmart Cash Company/ Business checks up to a $5,000 limit. However, the check must be in your name instead of your company or business name. Because if the check is in a business name, a Walmart employee can not verify who is the owner of the business. As a result, they won’t accept any check that is in the name of a company or business.

Does Walmart take Starter checks?

No, Walmart does not take any starter checks. Because starter checks are a type of personal check. Walmart does not cash personal checks under any circumstances. Moreover, Satater checks are handwritten and Walmart only accepts pre-printed checks. So, you can not cash starter checks at Walmart.

Does Walmart cash 401k checks?

Yes, you can cash a 401k check at Walmart. However, the check must be in your name and have to be under or equal to $5,000. Moreover, you must present any valid ID to cash a 401k check at Walmart.

Does Walmart Cash Handwritten Payroll Checks?

No, Walmart does not cash handwritten payroll checks. Although, Walmart cash payroll checks. However, the checks have to be pre-printed. Because at Walmart no handwritten checks are accepted. As a result, You can not cash a handwritten payroll check at Walmart.

Can I cash a $1400 check at Walmart?

Yes, you can cash a $1400 check at Walmart. The maximum check-cashing limit at Walmart is $5,000. However, the fee for cashing a check over $1,000 can be as high as $8.

In Summary

Walmart Money Services desk makes it easier and cheaper to cash checks. However, please take cash only and do not share your bank account information there. Because there were many reports of online scams. So, please be careful.

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