Does Walmart Cash Personal Checks? Limit? Handwritten? Foreign?

Are you looking for a way to cash your personal check without having to go to the bank? If so, Walmart may be the solution for you. This article will discuss how to cash personal checks at Walmart and provide some tips on making the process as smooth as possible.

So, will Walmart cash a personal check? 

The Short Answer: Yes, Walmart will cash a pre-printed personal check as long as you have proper identification and the funds are available in your account. However, there are a few things to keep in mind before heading to the store.

Let’s take a closer look at the process.

Does Walmart Cash Personal Checks?

Yes, Walmart now cashes personal checks, but there are some things to know.

First and foremost, you’ll need to have proper identification with you when you go to your local Walmart. The right type of identification to cash a check at Walmart includes your driver’s license, passport, or other forms of government-issued ID.

Secondly, it’s important to note that Walmart will only cash pre-printed personal checks. So if you have a check that is handwritten by someone else, the store may not be able to process it for you. 

Finally, Walmart limits the amount of cash you can receive from a personal check to $5,000 per day. We will discuss more in detail later. 

Walmart Money Centers are incredibly flexible, but they have certain limitations. For example, personal checks written to cash, expired checks, post-dated checks, or checks more than 180 days old are all rejected by Walmart.

How to Cash a Personal Check at Walmart?

If you’re looking to cash a check at Walmart, the process is relatively straightforward.

Here are the steps on how to cash a personal check at Walmart:

  1. Bring proper identification with you to the store. It’s not a place that cashes checks without an ID.
  2. Present the check to a Walmart associate in the Money Center near the front of the store.
  3. Wait for the funds to be processed and transferred from your account into Walmart’s system. 
  4. Collect your cash from the associate once the transaction is complete.

If you are trying to cash a check at Walmart for the first time, you could be prompted to provide your social security number to verify your identification. However, you will only have to submit your SSN once and won’t have to do so again in the future.

Walmart’s Money Centers are the only locations where you may cash checks in-store. Simply bring your approved check and a picture ID to any Money Center cashier. After that, the cashier will examine your ID and authorize your check.

It’s also important to know that New Jersey and New York are the only states that do not allow Walmart to cash personal checks.

How Much Does Walmart Charge to Cash a Personal Check?

If you are planning to cash a personal check at Walmart, they will charge you a service fee for doing so. The fee to cash a check at Walmart is typically $4 for checks under $1,000 and $8 for checks worth more than $1,000.

The store can deduct the fee from the check’s total amount, or you can pay it upfront. 

What is the Walmart Check Cashing Limit?

Walmart has a check-cashing limit of $5,000 per day. It means that you cannot cash any checks worth more than $5,000 in a single transaction or in total using multiple checks.

However, from January to April, the limit is raised to $7,500 at Walmart due to the increased demand for tax refund checks.

Do I Get Paid Cash at Walmart After Cashing a Check?

After you’ve successfully cashed a personal check at Walmart, the store will give you the cash equivalent of the amount on the check. You’ll get the total amount minus the check cashing fee.

You can also choose to get the money transferred into a ‘Money Card.’ Walmart’s Money cards are only $1 and can be used anywhere that Visa or Mastercard are accepted. In addition, the reload fee is free as long as you reload via check cashing.

What Type of Checks Does Walmart Cash?

From payroll checks, tax refund checks, insurance refund settlement checks to even MoneyGram money orders, Walmart will cash any pre-printed personal check that has the store’s name and address listed on it. It includes checks from banks, credit unions, or other financial institutions.

As long as you have proper identification, Walmart will likely process the check. Here are other checks Walmart will cash at its Money Center:

  • Business Checks 
  • Stimulus Checks
  • Payroll Checks 
  • Social Security
  • Government Checks 
  • Retirement Disbursement Checks 
  • Pre-Printed Checks 
  • Cashier’s Checks 
  • 401(K) Or Retirement Checks 
  • Two-Party Personal Checks (Up To $200) 
  • Out-Of-State Checks 

What Type of Checks Won’t Walmart Cash?

While Walmart allows you to cash most personal checks, there are a few types of checks that Walmart will not cash, including:

  • Handwritten Personal Checks
  • Post-Dated Checks
  • Third-Party Checks
  • Starter Checks
  • Check With Multiple Payees
  • Savings Bond
  • EFTs Checks

Contact your local Walmart store to see if they will cash other types of checks not mentioned here. The Walmart Money Center hours are generally 8 am to 8 pm Monday through Saturday. On Sunday the hours are generally 10 am to 6 pm. The Money Center hours are limited, even at nearby 24-hour grocery stores.

Can I Cash a Foreign Check at Walmart?

Walmart does not typically cash foreign checks because it requires unique processes and regulations. However, it’s worth contacting your local store to see what financial services it offers.

How Does Walmart Verify My Check?

Before Walmart cashes a personal check, they must ensure that the funds are available in your account. It’s done by verifying the routing number using Telecheck and Certegy.

Telecheck is a check verification service that helps merchants reduce the risk of accepting checks as payment. The system compares the information on the check with a database of bad checks to ensure that it’s not fraudulent.

Certegy is another check verification company that Walmart uses. The system also looks at the information on the check and your credit history to determine if you have sufficient funds to cover the check amount.

See our related article for finding routing numbers for Chase Bank, Navy Federal Credit Union, and PNC.

Does Walmart Cash Handwritten Checks?

Walmart does not typically cash handwritten checks. Verifying a handwritten check requires a unique process and regulations associated with cashing it. Plus, the check verification system Walmart uses can’t verify the funds or authenticity. 

Does Walmart Cash Two-Party Personal Checks?

Walmart does cash two-party personal checks, but the check amount cannot exceed $200 and includes a fee of $6.

Does Walmart Cash Third Party Checks?

Like other retailers, Walmart does not cash third-party checks. It carries a high risk of fraud and is not accepted by most retailers. A third-party check is written from one person to another instead of the individual who wrote the check.

Luckily, 24-hour check cashing places and banks can cash a third-party check without any issue.

Can Someone Else Cash My Check at Walmart?

No, Walmart will not let someone else cash your check. It’s because Walmart needs to see proper identification from the person cashing the check to ensure that the funds are being transferred rightfully and no fraudulent activities are taking place.

You can always endorse a check to another person. However, endorsing the check to someone else will make it a third-party check, in which Walmart will not cash it.

What is a Walmart Money Center?

A Walmart Money Center is a department in Walmart stores that provides financial services such as filling out money orders, wire transfers, Coinstar machines, reloading Netspend Visa debit card, Walmart Pay, prepaid debit cards, check printing, PayPal, international money transfer, tax preparation services, sells Walmart gift cards, and bill payments.

The Walmart Money Center is a convenient place to do your banking (not just cashing in your personal checks) because it offers many financial services under one roof. You can also get cashback when you make purchases at Walmart with your Walmart Money Card. 

What are the Hours of Operation of Walmart Money Centers?

The Walmart Money Center is open Monday-Saturday from 7 am – 11 pm and Sunday from 9 am – 9 pm.

How to Cash a MoneyGram Money Order at Walmart?

Walmart is one of the many places you can cash a MoneyGram money order. Follow these steps to cash a money order at Walmart:

  1. First, bring your valid identification with you to the store.
  2. Then, go to the Money Center Walmart service desk before closing and give the money order to an associate.
  3. Ask them to cash it and provide them with any additional information they may need. 
  4. You’ll get cash from the money order once the transaction is complete.

You can purchase money orders at Walmart for a fee of $0.70-$1.00. The maximum amount you can buy is $1,000 using a debit card or cash.

Can I Cash My Stimulus Check at Walmart?

Walmart is one of the most well-known stores that will accept your stimulus check. A stimulus check is a reimbursement check issued by the Internal Revenue Service to a taxpayer. It’s a government check that’s generally regarded as safe and secure.

Most banks are eliminating fees for stimulus checks. So depositing them in your account is the most convenient option.

Walmart is an alternative to cashing your stimulus check if you don’t have a bank account. Unfortunately, over 7 million individuals are labeled “unbanked.”

Walmart will cash a refund or stimulus check with a maximum of $5,000. The fees on a stimulus check up to $1,000 is $4, while checks above $1,000 are $8. You can get your stimulus or refund money in cash or load it onto your Walmart MoneyCard.

How to Get a Walmart MoneyCard?

A Walmart MoneyCard is a prepaid Mastercard or Visa, or that can be used anywhere Visa or Mastercard is accepted. In addition, the card can be reloaded using cash, check, or money order at any Walmart store.

The initial purchase fee for a Walmart MoneyCard is $1, and you can apply for it in-store. Once approved,  you can use it immediately. The reload fee is free as long as you reload via check cashing in the store, but there is a $3 charge for reloading over the phone or online.

What’s The Benefit Of Having A Walmart MoneyCard?

The benefits of owning a Walmart MoneyCard include: 

Reasons to Cash Your Checks at Walmart Instead of a Bank

Walmart has several reasons to cash your check with them instead of a bank, including:

No Bank Account

One of the reasons you might cash your checks at Walmart instead of a bank is because you do not have a bank account. 

Walmart offers check cashing services for a fee and does not require that you have an account with them to do so. It can be more convenient than going to a physical bank location, waiting in line, and providing proof of ID and funds available.


Another reason you might choose Walmart over a traditional bank is because of its convenience. 

Walmart has thousands of superstores located across the United States. So there’s likely a Walmart within 10 miles of where you live or work. In addition, the stores offer extended hours, which means you can cash your check late at night, Saturdays, and Sundays.

The process is even simpler if you have a Walmart MoneyCard – just swipe your card to get cash.

Cash In During Odd Hours

Walmart is also open on select holidays, which means you can cash your check even if the bank is closed. It can be a lifesaver if you need access to your funds immediately.

Does Walmart Cash Personal Checks Summary

Walmart check cashing is a convenient and secure way to cash your check. In addition, Walmart MoneyCards can be used as a prepaid Visa or Mastercard debit card anywhere that accepts its cards, so they offer you freedom of choice when it comes to spending the money from your check.

In addition, there are many benefits of having a Walmart MoneyCard, such as no interest charges, no credit check needed, and discounts from participating merchants. So if you’re looking for a place to cash your government check without having to open a bank account, Walmart is a great option.

Overall,  Walmart is a great choice for cashing your checks because of its convenience, extended hours, and holiday openings. And if you already have a Walmart MoneyCard, the process is even more straightforward.

See our guide on the Walmart return desk hours.