Does Walmart Cash Personal Checks?

Does Walmart cash personal checks? Here is what you need to know about this retailer store’s check cashing service.

If you do not have a bank account of your own, you may have a need for places to cash checks near you. Cashing checks regularly is possible without a bank of your own, especially since one of the most popular retailers in the United States offers check cashing for shoppers at their customer service counter.

Does Walmart Cash Personal Checks?

First question first: does Walmart cash personal checks? The answer is, yes Walmart does cash checks.

Many Walmart stores, particularly those in larger cities, have a check cashing system for customers.

According to the Walmart check cashing guidelines, there is a maximum allowance of $5,000 per check cashed (except during tax season when it is slightly increased. There may be a limit of three transactions per day per person, and a government-issued ID is needed to cash checks at all Walmart stores.

Below are more details about check cashing at Walmart stores and how to use this service.

What Is the Walmart MoneyCenter?

Need banking assistance without a bank of your own? Walmart MoneyCenter offers several financial services at their stores nationwide, and many people use them.

The center is customer-friendly, and they have a wide variety of assistance such as transfer and cash services. Walmart MoneyCenters also offer tax and insurance payment services, including the cashing of checks.

Currently, fees to cash checks of up to $1000 average around $4, while checks above $1000 may attract up to $8 in charges. There is also a fee of up to $6 for two-party checks, although the value of these checks may be restricted.

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How to Cash a Check at Walmart

Walmart MoneyCenters are located in the customer care area of your local Walmart store. To cash a check, you will need a government-issued photo ID such as a passport or driver’s license. You’ll also, of course, need to bring the check you are going to cash.

Checks can be processed for cash, or you can have the value put on a Walmart MoneyCard for extra convenience. Reload fees for the card may be applicable and check cashing guidelines vary by state, so be sure to check the guidelines for your area.

Kinds of Checks You Can Cash in Walmart

There are several different types of checks you can cash at Walmart’s MoneyCenter.

Payroll Check: If your employer pays you with personal checks instead of direct deposit, you can cash them at the MoneyCenter. The process is quite fast, so you will waste a little time.

Government Check: Local, state and federal government employees who get paid via checks can cash them at Walmart. However, you may be asked to provide some other information or documents besides your ID and SSN for this kind of check.

Tax Refund Check: If your application for a tax refund is granted, a check will be issued to you by the tax office, which can then be cashed at Walmart.

Cashier’s Checks: Cashier’s checks are some of the common checks many customers cash at Walmart. The fees for this type of check is quite low.

Insurance Checks: Did you recently receive a settlement from your insurance company, and you dread the thought of standing in long lines at the bank? Just visit the closet Walmart store near you.

Retirement benefits: Funds from retirement accounts issued in checks are accepted at the MoneyCenter.

Checks That a Walmart MoneyCenter Will Reject

Walmart does not accept all types of personal checks, so before you visit any of their centers, make sure the one you have is accepted. Here are the checks you cannot cash at Walmart:

  • Checks issued to more than one recipient
  • Post-dated checks
  • Checks written by hand
  • Money orders that are not by MoneyGram
  • MoneyGram money orders that are not issued by Walmart.

In the case of a check issued to two recipients, some Walmart stores may accept it if it is not above $200. But they may deduct a $6 transaction fee.

How Does the Personal Check Cashing Process Work?

When you walk into the store and present the check to the cashier, this is the process.

Verify your identity: The cashier will ask for your government-issued ID. He or she will want to see if the name on the check matches your name. This is why Walmart does not accept handwritten checks, only the ones with the recipient’s name printed on them.

Receipt signing: If your identity and check are validated, the cashier will provide you with an electronic receipt to sign.

Days You Can Cash Checks at Walmart

Walmart’s MoneyCenter is open 7 days a week, but some stores will not cash personal checks on Sundays. So to avoid disappointment, it is better to visit on weekdays and Saturdays.

Checks presented on Saturdays may take a little more time to clear. Many Walmart Money Centers close by 6 pm, so it may be worth checking local hours before making a special trip.

According to their website, Walmart does have a limit of up to 3 check cashing transactions per day. Local restrictions may also apply, depending on the laws for your area.

Transaction Fees

While transaction fees are subject to change at any time, currently they are as follows.

  • Checks of $1000 max – $4 fee
  • Checks of $1001 -$5000 – $8 fee

Ask the representative at your local Walmart MoneyCenter any questions you might have about check cashing fees or how the process works.

How to Find a Walmart MoneyCenter

Walmart MoneyCenters are located inside Walmart stores, and their stores are not hard to find. Visit to find the location nearest you.


Walmart does check cashing services as well as other money-related services. While there are modest fees involved for check cashing and other services, this can be a way to access the cash you need.

In order to cash a check at Walmart, you will need a United States government issued photo ID. Check cashing guidelines can vary by state, so it can be worth it to learn more about any restrictions for your area.

Still, looking for options to cash your check? Learn whether you can cash a check at an ATM.