An Ultimate Guide To Walmart Check Cashing

Are you looking to cash your check at Walmart? Here's a Walmart check cashing guide to help you through the process.
Tebid Kelly
walmart check cashing

In today's fast-paced world, access to quick cash can be crucial. While most opt for ATMs or bank services, what if you don't have a bank account or traditional banking hours don't align with your needs? Here's where Walmart check cashing comes in.

In this ultimate guide, I'll show you all there is to know about Walmart check cashing, exploring its benefits, fees, limitations, and alternatives to help you decide if it's the right option for you.

Table of Contents

How to Cash a Check at Walmart

Walmart offers check cashing services for a convenient way to access your funds.

Here's a step-by-step guide to cashing your check at Walmart:

Before you go:

  • Check if your local Walmart offers check cashing: Not all Walmart locations provide this service. Look for information online or call your local store to confirm.
  • Ensure your check is eligible: Walmart can cash various types of checks, but they have limitations. Check their website or ask at the store for details.
  • Prepare your ID: Bring a valid government-issued photo ID, such as a driver's license or passport.

Cashing your check at a Walmart store:

To cash your check at a Walmart store, follow these steps:

  1. Locate the customer service desk or MoneyCenter: Look for designated areas within the store for check cashing services.
  2. Endorse the check: Sign the back of the check in the designated area ("For Deposit Only" or similar).
  3. Present the check and your ID: Hand the check and your ID to the clerk.
  4. Answer verification questions: The clerk may ask questions to verify your identity and the check's authenticity.
  5. Pay the fee: Walmart charges a fee for check cashing, typically based on the check amount. Be aware of the fee structure before proceeding.
  6. Receive your cash: Once everything is verified, you'll receive your cash minus the fee.

What Type of Checks Does Walmart Cash?

While Walmart offers check cashing services, they don't cash every type of check. Walmart should cash the following checks:

  • Government checks: This includes Social Security, unemployment benefits, and tax refund checks.
  • Payroll checks: Checks issued by an employer through a payroll service like ADP are often accepted.
  • Cashier's checks: These guaranteed funds checks issued by a financial institution are accepted.
  • Insurance settlement checks: Checks from established insurance companies for claims are usually cashed.
  • 401(k) or other retirement checks: Disbursement checks from these accounts are sometimes accepted.
  • Pre-printed checks: Personal checks with certain limitations (see below) are sometimes accepted.
  • MoneyGram money orders: If issued by a Walmart, they can be cashed there.

Limitations and exclusions:

  • Two-party personal checks: Only accepted for up to $200 and require additional verification.
  • Third-party checks: Checks with more than two payees are generally not accepted.
  • Starter checks: Checks from new checking accounts often have restrictions and might not be cashed.
  • Out-of-state checks: Some Walmart locations might not cash checks from other states.

For your own convenience, it is important to check with your local Walmart store to know if they can cash your check before heading to the store.

Walmart Check Cashing Hours

There's no universal timeframe for Walmart check cashing hours. Each store has its own operating hours and designated times for check cashing services. It's vital to check with your specific Walmart location to avoid disappointment or wasted trips.

Here are some ways to find out about check-cashing hours at your local Walmart:

  • Store Website: Most Walmart stores have individual web pages with information about their services and hours. Look for your local store's page and search for "check cashing" or "customer service desk hours."
  • Walmart App: The Walmart app allows you to search for store details, including their operating hours. Select your local store and check the "Services" section for check cashing information.
  • Call the Store: Directly call your nearest Walmart and ask about their check-cashing hours. This is the most direct way to get accurate and up-to-date information.

Remember that operating hours might differ on weekends and holidays. It's always best to confirm before heading out, especially if you're making a special trip for check cashing.

Benefits of Cashing Checks at Walmart

Cashing checks at Walmart comes with a couple of benefits, which include:

  • Convenience: With over 10,500 stores nationwide, Walmart offers unparalleled reach and accessibility. Cash your check during your regular shopping trip, saving valuable time and effort.
  • Flexible Hours: Most Walmart stores have extended hours, often operating 24/7, making it easier to find a time that works for you.
  • No Account Required: Unlike traditional banks, you don't need a bank account to cash a check at Walmart. This makes it a viable option for unbanked individuals or those seeking an alternative service.

Walmart Check Cashing Fees and Limits

While cashing checks at Walmart is possible, it is important to know about the fees charged for the service and the limitations applied to conveniently cash your checks.

  • Fees: Be aware of the fees associated with check cashing. The standard fee is $4 for checks under $1,000 and $8 for checks between $1,000 and $5,000. Some states have additional fees, so checking your local Walmart's policy is crucial.
  • Check Limits: There are limits on the amount you can cash. The standard limit is $5,000, though it can be $7,500 during tax season (January-April). Higher limits might require additional verification.
  • Check Types: Not all checks are accepted. Personal checks, payroll checks, and government checks are generally accepted, while two-party checks have lower cashing limits and higher fees.

Walmart Check Cashing Alternatives

While you can conveniently cash checks at Walmart, there are a couple of alternative options that tend to be even more convenient for most consumers.

They include:

  1. Mobile Banking Apps: If you have a smartphone, consider using a mobile banking app like Chime or Current. These apps often allow free check cashing with certain account requirements.
  2. Credit Unions: Credit unions are known for lower fees and better customer service compared to traditional banks. They might offer check cashing services with more favorable terms.
  3. Local Check Cashing Stores: While fees might be higher than Walmart's, local stores might offer personalized service and potentially accept a wider range of checks.


  • Always endorse your check before presenting it.
  • Bring a valid government-issued photo ID for verification.
  • Review the fees and limits carefully before cashing your check.
  • Explore alternative options to see if they better suit your needs.

Final Thoughts

Walmart check cashing can be a convenient and accessible option when you need quick cash. However, understanding the fees, limitations, and alternatives is crucial for making an informed decision. Carefully weigh the pros and cons to determine if it's the right choice for your financial situation. 

About the Author

Tebid Kelly
I'm Tebid Kelly, A Content Creator, Video Producer Financial Consultant and Certified Google Publisher. I write contents for, which are my two blogs.

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