Walmart will accept personal checks for payment in most cases, but there are some restrictions and requirements you should be aware of.
Walmart typically requires a valid government-issued ID to process a personal check.
Some items, such as gift cards and prepaid cards, may not be eligible for payment with a personal check.
In addition, certain services like pharmacy and optical services may have specific payment policies that exclude personal checks.
Walmart's Check Policy
Walmart will cash two-party personal checks, but only in select locations. This service is available in 34 out of 50 states, including Alabama, Alaska, and Arizona.
If you're unsure whether a Walmart location near you offers check cashing services, you can start by visiting the store directory on their website. You can select your state, city, and specific location to see store details, including address and phone number.
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. The service is only available in 41 of the 50 states in the United States.
Here are the states where you can cash checks at Walmart:
- Alabama
- Alaska
- Arizona
- Arkansas
- 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
If you have any questions about whether your location handles two-party personal checks, you can visit the customer service desk to have your questions answered.
Check Fees and Limits
Walmart has a check cashing fee associated with cashing personal checks, depending on the check amount.
You can expect to pay $4 for checks up to $1,000, $6 for two-party personal checks up to $200, and $8 for checks above $1,000.
Walmart also has check-cashing limits that change depending on the time of year.
If you have a bank account, it's likely that cashing a check with your bank will be cheaper than using Walmart.
What Kind of Checks Are Not Accepted
If you're planning to cash a check at Walmart, there are some types that won't be accepted. These include third-party checks, which are only allowed in 34 out of 50 states.
Walmart won't cash handwritten checks, including personal handwritten checks and handwritten payroll checks. Business checks, estate checks, and handwritten checks are also off-limits.
Some checks are only allowed in select locations, like two-party personal checks. If you're unsure about a specific type of check, it's always a good idea to call your local store and ask.
Here are some types of checks that Walmart won't cash:
- Third-party checks
- Business checks
- Handwritten checks
- Estate checks
- Personal handwritten checks
- Handwritten payroll checks
Check Fees and Limits
Walmart charges a fee for cashing checks, and the amount depends on the check amount. The fee is $4 for checks up to $1,000, $6 for two-party personal checks up to $200, and $8 for checks above $1,000.
You can cash up to $5,000 per day at most Walmart locations. However, during tax season (January to April), this limit increases to $7,500.
Some locations may have different check cashing limits, so it's a good idea to call ahead and confirm. If you're looking to cash a two-party personal check, the limit is much lower, at only $200.
Here's a breakdown of the check cashing limits at Walmart:
Keep in mind that these limits may vary depending on your location, so it's always a good idea to check with your local Walmart store.
Using Personal Checks at Walmart
Walmart will cash two-party personal checks in select locations, but only in 34 out of 50 states. You can find these locations by visiting the customer service desk.
Some states where you can cash personal checks at Walmart include Alabama, Alaska, Arizona, and California. You can also check the store directory to see if your location offers this service.
If you do have a two-party personal check, be aware that it must be under $200 to be cashed at Walmart. Otherwise, you'll need to take it to a bank or another financial institution.
How to Use Personal Checks
If you're planning to use personal checks at Walmart, you'll want to know the basics. Walmart will cash two-party personal checks, but only in select locations. You can find these locations in 34 out of 50 states.
Some of these states include Alabama, Alaska, Arizona, and California. You can check if your location offers this service by visiting the customer service desk. If you're unsure, you can also visit the store directory and select your state to see if check cashing services are available.
If you're planning to cash a two-party personal check, be aware that there's a limit of $200. If the check is over this amount, you'll need to take it to a bank or another location. You can also cash other types of checks, including payroll checks, government checks, and tax refunds.
Here are some types of checks that Walmart accepts:
- Payroll checks
- Government checks
- Tax refunds
- Cashier's check
- Insurance settlement checks
- 401(k) or retirement disbursement checks
- MoneyGram money orders (originally purchased at Walmart)
- Two-party personal checks (if under $200)
To cash a check at Walmart, visit the MoneyCenter or customer service desk with your check and valid ID. The cashier will verify the check and provide you with your cash minus the check-cashing fee.
Money Center Hours
You can cash a check with a Walmart cashier during any hours that the store is open. You can use the store finder to check your local store hours.
Walmart MoneyCenters, where you can get other money services, have specific hours. They're typically open from 8 a.m. to 8 p.m. Monday through Saturday.
On Sundays, MoneyCenters are open from 10 a.m. to 6 p.m.
Frequently Asked Questions
How long does it take for a personal check to clear at Walmart?
At Walmart, personal checks typically clear within 10 minutes when cashed and deposited. However, the exact clearing time may vary depending on the specific circumstances.
Sources
- https://www.dealnews.com/features/walmart/cash-checks/
- https://www.linkedin.com/pulse/does-walmart-cash-checks-yes-heres-how-efang-brandon-gwczc
- https://www.debtfreeforties.com/blog/does-walmart-cash-personal-checks/
- https://www.linkedin.com/pulse/does-walmart-cash-checks-yes-heres-how-efang-brandon-brnve
- https://www.fiscaltiger.com/walmart-check-cashing-policy-guide/
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