Yes, you can cash checks at Walmart for cash. Walmart offers check cashing services at over 4,000 locations across the United States. There are some requirements and limitations on the types and amounts of checks Walmart will cash, which are outlined below.
What types of checks can I cash at Walmart?
You can cash the following types of checks at Walmart:
- Payroll checks
- Government checks (including tax refunds and stimulus checks)
- Cashier’s checks
- Money orders
- Walmart associate paychecks
- Insurance settlement checks
- Business checks
- Personal checks
Walmart will not cash the following types of checks:
- Traveler’s checks
- State-issued registered warrants
- Non-Walmart Associate Payroll checks over $2,500
- Non-Walmart MoneyGram Money Orders over $1,000
What are the check cashing limits at Walmart?
Walmart has the following limits on the dollar amounts of checks they will cash:
- Payroll, government, and cashier’s checks up to $5,000
- Money orders up to $1,000
- Walmart associate payroll checks no limit
- Personal checks up to $200
- Insurance settlement checks up to $2,500
- Business checks up to $2,500
Is there a fee for cashing checks at Walmart?
Yes, Walmart charges a fee for cashing checks based on the check amount:
| Check Amount | Fee |
|---|---|
| $1 – $50 | $3 |
| $51 – $1,000 | $6 |
| $1,001 – $5,000 | $9 |
There is no fee for cashing the following types of checks:
- Walmart Payroll Checks
- Walmart Money Orders
- Government Checks up to $5,000
What do I need to cash a check at Walmart?
To cash a check at Walmart, you will need to provide:
- A valid government-issued photo ID (driver’s license, state ID, passport, etc.)
- Original check – no copies accepted
- The bank routing and account number on the check
- A working phone number
Additionally:
- Your name must match the name pre-printed on the check
- You must be at least 18 years old
Can someone else cash a check made out to me at Walmart?
No, someone else cannot cash a check made out to you at Walmart. The person cashing the check must be the named payee on the check and provide valid ID matching that name.
What types of ID does Walmart accept for check cashing?
Walmart accepts the following valid, non-expired government-issued photo IDs for check cashing:
- U.S. driver’s license
- U.S. state-issued ID card
- U.S. passport
- U.S. passport card
- U.S. permanent resident card (green card)
- U.S. alien registration card
- Matricula consular card
- National ID card
School IDs, expired IDs, temporary paper IDs, and non-U.S. passports are NOT accepted by Walmart for check cashing.
Can I cash a post-dated check at Walmart?
No, Walmart does not cash post-dated checks – checks dated for a future date. The check must be dated for the current date or earlier to be cashed at Walmart.
Can I cash a two-party check at Walmart?
Walmart does not accept two-party checks – checks made payable to two persons with “and” between the names. Both named payees would need to be present, show ID, and endorse the check for it to be cashed.
What is the maximum number of checks I can cash per day at Walmart?
You can cash up to 3 checks per day at Walmart, subject to the dollar limits outlined earlier.
Can I cash an international check at Walmart?
No, Walmart does not cash international checks drawn on banks located outside the United States.
What types of endorsements does Walmart accept on checks?
Walmart requires:
- Your signature endorsing the check for deposit
- “For Mobile Deposit Only” or “For Deposit Only” written under your signature
They do not accept checks endorsed to a third party or with other restrictive endorsements.
What if the check amount is larger than Walmart’s cashing limit?
If the check amount exceeds Walmart’s limit, they will not be able to cash the full value of the check. You would need to cash the check at your own bank or another retailer with higher limits such as Kroger, Costco or Currency Exchange.
Can I cash a third-party check at Walmart?
No, Walmart does not cash third-party checks – checks payable to one party but endorsed over to you. The check must be made out to your name and endorsed by you to be cashed.
What if I don’t have an ID with me?
Valid government-issued photo ID is required to cash checks at Walmart, so you will not be able to cash your check without it.
How long does it take Walmart to cash a check?
Walmart can cash checks quickly, often in less than 5 minutes as long as you have proper ID and endorsement. The process includes endorsing the check, providing your ID for verification, and receiving your cash.
Can I cash a check at any Walmart location?
Yes, you can cash checks at any Walmart Supercenter or Neighborhood Market that offers check cashing services. Over 4,000 Walmart stores across the U.S. offer check cashing.
When are check cashing services available at Walmart?
Check cashing services are available during regular store hours at Walmarts that offer the service. Hours vary by location but are generally:
- Monday-Saturday: Open 24 hours
- Sunday: Opens at 10am or 11am
Holiday hours may differ.
Can I cash a check written to my business at Walmart?
Yes, Walmart will cash business checks up to $2,500 as long as the check is made out to a valid business name and you provide documentation proving you own the business, such as:
- Business license
- Articles of incorporation
- DBA filing
- Business bank statement/records
You must also provide valid government-issued photo ID in your name matching the business ownership records.
What if I don’t have a bank account – can I still cash a check at Walmart?
Yes, you can cash checks at Walmart even if you do not have a bank account. As long as you have valid ID, they can cash the check and give you cash back.
Will cashing a check at Walmart affect my credit score?
No, check cashing at Walmart does not require a credit check or affect your credit score in any way. They do not report check cashing activity to credit bureaus.
Does Walmart cash preprinted payroll or social security checks?
Yes, Walmart cashes preprinted payroll and social security checks up to the $5,000 limit as long as you provide valid government-issued photo ID matching the payee name.
Conclusion
Walmart provides convenient, low-cost check cashing services for many types of checks up to $5,000 with fees starting at $3 per check. By meeting Walmart’s basic ID, endorsement, and verification requirements, you can turn checks into instant cash at over 4,000 U.S. locations. Check cashing at Walmart is quick, easy and reliable for those who need immediate access to funds.