Many Walmart locations will offer different types of check cashing services, but not all of them will.
BY:
JULIE RAMHOLD
Senior Staff Writer/Consumer Analyst
Walmart serves as a one-stop shop for many consumers, and with good reason. You can pick up things like clothing, housewares, and furniture alongside more frequent purchases like groceries. But the convenience goes even further, with Walmart offering services to help make your regular stop even more valuable. If you're wondering "does Walmart cash checks" the good news is that yes, they do!
Read on for everything you need to know about cashing checks at Walmart.
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Does Walmart Cash Checks?
Yes, Walmart stores will cash a variety of checks. If you're unsure of whether or not a location offers check cashing services, you can start with the store directory and select your state. You can then further narrow down by choosing the preferred city, and then if needed, selecting a specific location. Some cities may only have one store, so you may need to branch out to neighboring cities if your location doesn't have the services.
Once you select a location, you should see store details including address and phone number if you'd like to call and confirm your ability to cash a check there. The service is only available in 41 of the 50 states, including:
- Alabama
- Alaska
- Arkansas
- Arizona
- California
- Colorado
- Connecticut
- District of Columbia
- Delaware
- Georgia
- Hawaii
- Idaho
- Illinois
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Massachusetts
- Maryland
- Michigan
- Minnesota
- Missouri
- Montana
- North Carolina
- North Dakota
- Nebraska
- New Hampshire
- Nevada
- Oklahoma
- Oregon
- Pennsylvania
- South Carolina
- South Dakota
- Texas
- Utah
- Virginia
- Vermont
- Washington
- West Virginia
- Wyoming
Does Walmart Cash Personal Checks?
Yes, Walmart will cash two party personal checks, but only in select locations. If you need this service, there are even fewer states that allow it compared to regular check cashing services — only 34 out of 50. This service is allowed in:
- Alabama
- Alaska
- Arkansas
- Arizona
- California
- Colorado
- District of Columbia
- Georgia
- Idaho
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Massachusetts
- Michigan
- Missouri
- Montana
- North Carolina
- North Dakota
- Nebraska
- New Hampshire
- Nevada
- Oklahoma
- Oregon
- Pennsylvania
- South Carolina
- South Dakota
- Texas
- Utah
- Virginia
- Vermont
- Washington
- Wyoming
Some locations will also handle Western Union and MoneyGram money orders as well as two-party personal checks. If you have any questions about whether your location handles these types of checks, you can visit the customer service desk to have your questions answered.
What Kind of Checks Does Walmart Cash?
Walmart won't cash just any check, but there are several types that you can indeed cash at participating stores.
- Payroll
- Government checks
- Tax refund
- Cashiers'
- Insurance settlement
- 401(k)
If you want to cash a check at Walmart, the process should be fairly straightforward. Simply take your endorsed check to the cashier at the MoneyCenter or at the customer service desk. Make sure to have a valid ID and the means to pay the fee, as well, and the process should be smooth sailing.
What Kinds of Checks Does Walmart NOT Cash?
While Walmart will cash many checks, there are select types that can't be cashed at all, including the following:
- Third-party checks (see more below)
- Handwritten
- Business checks (see more below)
- Estate checks
- Handwritten payroll checks
- Personal handwritten checks
If you have any questions about whether or not a check you have can be cashed at Walmart, you may want to give your local store a call and ask just to be safe. There's a chance that some of these may be dependent on locations, so it's good to know if yours has different restrictions than what may be the overall policy.
When Exactly Does Walmart Cash Checks?
The hours and days that Walmart cashes checks will be largely dependent on individual locations. You can check the store directory to find the location you're interested in, and check it specifically for further details. However, note that check cashing may not be listed as one of the available services on the store details page. That doesn't mean they don't provide the service, but if you're unsure, it's best to give the store a call before you head out. Make sure to tell them exactly what type of check you want to cash and ask where you need to go as well as if there are any limitations to be aware of, such as specific hours or restrictions on the type of check.
Does Walmart Charge to Cash Checks?
Walmart does charge to cash checks, though it will depend on the type of check as well as the amount. For instance, a pre-printed check for $1,000 and below requires a fee of $4 to be cashed. If your check is above $1,000, you'll have a maximum fee of $8 to cash it.
It's a bit different for two-party personal checks. Walmart will only cash these checks at select locations and in amounts up to $200. Additionally, the maximum fee for cashing one of these checks is $6.
Is There a Check Cashing Limit?
There is a check cashing limit beyond only being allowed in certain states. Most locations have a limit of $5,000 when cashing a check; however, Walmart increases this limit to $7,500 every year between January and April. This is likely due to it being tax season, since Walmart will cash tax refund checks as part of their service.
That limit is for most checks, but if you're looking to cash a two-party personal check, the limit is much lower — only $200.
Walmart Check Cashing FAQs
Does Walmart Cash Checks on Sunday?
As long as your local Walmart is open on Sunday, it should cash checks. However, you may find that there are specific hours at your location or other restrictions based on staff so if you have any doubt, it's best to call ahead. You can find your local store's information with a simple Google search or by visiting the store directory online. Once you find your location, give them a call as soon as possible so that you can determine if you'll be able to cash your check on a Sunday.
Does Walmart Cash Third Party Checks?
As third party checks involve a check that has been written to a person who then endorsed it by signing it over to a third person, it's likely that Walmart won't cash third-party checks in a simple way. It's best to give your store a call and ask before heading out to see if they will and what's required; they could require that two parties (the original payee and the person having the check signed over to) be there in order to process. And there's a chance they won't cash these types of checks at all — have a backup option in mind just in case.
Does Walmart Cash Business Checks?
Walmart may cash business checks, but it's going to depend on the state you're located in as well as how the check is written. For example, if it's drawn from an international bank, Walmart likely won't cash that. If it's a business check that has any part that's handwritten, there's a good chance Walmart won't cash that either. However, if it's a pre-printed business check and it adheres to the other restrictions Walmart has, you should be able to have it cashed at your local Walmart MoneyCenter.
How Much Does Walmart Charge to Cash Checks?
The fees that Walmart charges to cash checks will be dependent on the type of check, the time of year, and the amount the check is written for. Checks that are worth up to $1,000 incur a maximum fee of $4, while checks written for amounts above $1,000 can have a maximum fee of $8. If you're cashing a two-party check, the limit is $200 and the maximum fee that can be charged is $6.
Does Neighborhood Walmart Cash Checks?
If you're wondering "does the Neighborhood Walmart cash checks" then know that this will be highly dependent on the state and location of the Walmart Neighborhood Market in question. Since the store details from the online directory don't note which money services are available at which locations, your best bet is to call your local Neighborhood Walmart to find out if they can cash a check for you. The good news is that because many Walmart Neighborhood Markets offer some of the same services as other Walmart stores, you may very well be able to get your checks cashed there. Just be sure to save yourself a trip and call before heading out.
What Time Does Walmart Cash Checks?
This will vary by location and depending on staffing needs at each Walmart. While a store may be open from 6 am to 11 pm local time, their check cashing hours may be based on the Walmart MoneyCenter or other limitations a location could have. If you aren't sure whether or not your local Walmart will cash a check, find the location in question in the online directory and give them a call to ask. Be sure to get the associate's name when you talk to someone in case you're told something different when you arrive so that you can resolve any miscommunication and receive the service you need.
Walmart offers a variety of services in an effort to make sure their customers see them as a convenient one-stop shop, but these services are also there to ensure that customers have affordable solutions to their everyday needs. While the Walmart MoneyCenter may serve as the hub for most of these services, the customer service desk may be helpful as well. If you aren't finding the answers you need at the MoneyCenter, be sure to speak to an associate at the customer service desk who can point you in the right direction and help you to find what you need.
Julie Ramhold
Senior Staff Writer/Consumer Analyst
Julie's work has been featured on CNBC, GoBankingRates, Kiplinger, Marketwatch, Money, The New York Times, Real Simple, US News, WaPo, WSJ, Yahoo!, and more. She's extolled the virtues of DealNews in interviews with Cheddar TV, GMA, various podcasts, and affiliates across the United States, plus one in Canada.
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