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Walmart offers various money check cashing options to its customers, making it a convenient choice for those in need of quick cash.
You can cash checks at any Walmart store with a Money Services desk, which is usually located near the customer service desk.
Walmart charges a fee for cashing checks, which varies depending on the type of check and the customer's account status.
The fees range from $3 to $8, and some checks may also have a minimum balance requirement.
To cash a check at Walmart, you'll need to provide a valid government-issued ID and the check itself.
Check this out: What Stores Cash Personal Checks
Where to Cash a Check
If you need to cash a check, Walmart is a great option. You can cash a check at any Walmart store with a Money Services desk.
Walmart doesn't charge a fee for cashing a check if you have a Walmart MoneyCard. The check must be made out to you, and it must be a personal check.
Walmart also offers a service to cash payroll checks, government checks, and tax refund checks. These types of checks are accepted at most Walmart locations.
The maximum check cashing limit at Walmart varies by store, but it's usually around $5,000. Some stores may have a higher limit, so it's best to call ahead and confirm.
You'll need a valid government-issued ID to cash a check at Walmart. The ID must match the name on the check.
For more insights, see: Expired Id
Types of Checks and Services
At Walmart, you can cash a variety of checks, including payroll checks, government checks, tax refund checks, and cashier's checks. These types of checks are widely accepted and can be cashed quickly and easily.
Payroll checks are a common type of check that Walmart cashes. These checks are issued by employers to pay employees for their work. You can cash payroll checks at Walmart, and they're often used for everyday expenses.
Government checks, on the other hand, include Social Security benefits, tax refunds, and other government-issued payments. These checks are also widely accepted at Walmart and can be cashed quickly.
Tax refund checks are another type of check that Walmart cashes. These checks are issued by the IRS or state tax agencies and can be used to cover unexpected expenses or save for the future.
Walmart also cashes cashier's checks, which are guaranteed by a bank. These checks are often used for larger transactions and can be a convenient way to pay for big-ticket items.
Here are some of the types of checks that Walmart cashes:
- Payroll checks
- Government checks
- Tax refund checks
- Cashier's checks
- Insurance settlement checks
- 401(k) or other retirement account disbursement checks
MoneyGram money orders can also be cashed at Walmart, but only if you purchased them at a Walmart location. This is a convenient way to send and receive money, and Walmart makes it easy to cash these money orders.
Intriguing read: Does Walmart Do Money Orders
Fees and Limits
Walmart charges a fee for check cashing, which typically ranges from $4 to $8, depending on the check's value. For example, checks up to $1,000 may incur a lower fee compared to larger checks.
For another approach, see: Bank of America Charge for Cashing Check
You can cash a maximum of 3 checks per day at Walmart. If you choose to put the cash on a Walmart MoneyCard, they will waive the $3 reload fee. If you don’t have a MoneyCard and register for one online, Walmart will waive the issue fee.
The maximum amount you can cash at Walmart varies by season. Generally, Walmart will cash checks up to $5,000 from May through December and up to $7,500 from January through April. Two-party personal checks are only allowed up to $200.
Here are the specific fees and limits to keep in mind:
What Won't Accept a Check
If you're planning to cash a check at Walmart, it's essential to know what types of checks they won't accept. Handwritten checks are one such type.
Walmart won't cash personal checks or checks made out to cash. This is a common restriction at many check-cashing stores.
Starter checks are another type of check that Walmart won't accept. These checks are often used by banks to provide customers with temporary checking accounts.
Savings bonds checks, altered checks, and checks more than 180 days old are also not accepted by Walmart. These checks may be difficult to verify or have expired, making them unusable.
If you're trying to cash a check at Walmart, make sure it's not a post-dated check. These checks are dated for a future date and can't be cashed until that date.
Here's a list of checks that Walmart won't accept:
- Handwritten checks
- Personal checks, checks made out to cash
- Third-party checks
- Starter checks
- Savings bonds checks
- Altered checks
- Checks more than 180 days old
- Expired checks
- Post-dated checks
- Non-MoneyGram money orders
- Comdata Checks/Comcheks
Fees and Limits
Fees for cashing a check at Walmart can vary, but typically range from $4 to $8, depending on the check's value. For example, checks up to $1,000 may incur a lower fee compared to larger checks.
If you're cashing a check at Walmart, be aware that there are limits to consider. The maximum amount you can cash at Walmart varies, but generally, it's up to $5,000 from May through December and up to $7,500 from January through April.
Discover more: Ace Check Cashing Open
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Walmart charges a fee for check cashing, which varies based on the type of check and the amount. For example, checks over $1,000 but less than $5,000 may incur a higher fee, often calculated as a percentage of the check amount.
To give you a better idea, here are the fees and limits for cashing a check at Walmart:
It's also worth noting that you can cash a maximum of 3 checks per day at Walmart.
Verification and Requirements
To cash a check at Walmart, you'll need a valid ID. This can be a driver's license, state ID, or government-issued photo ID.
Walmart uses TeleCheck or Certegy to electronically process your check. Your check's routing and bank account numbers, along with the transaction amount, will be verified against other checks in the system.
Make sure your check is in good condition, free of wrinkles, tears, or smudges near the numbers at the bottom. The scanning machine reads the check's information, so it's essential to keep it clean and clear.
Identification Needed for Verification
You'll need a valid form of identification to cash a check at Walmart. This can be a driver's license, state ID, or government-issued photo ID.
Walmart uses TeleCheck or Certegy to verify your check, and your ID will be checked to ensure the name on it matches the name on the check. Make sure your ID is up to date and not expired.
A valid government-issued photo ID, such as a passport, is also accepted for check cashing. The ID must be in good condition and not damaged.
The name on your ID must match the name on the check, so double-check that they match before attempting to cash the check. This is a standard requirement at Walmart.
Account Requirements
You don't need a bank account to cash a check, Walmart's check cashing service is an excellent option.
Walmart's check cashing service is available for individuals without a bank account, providing immediate access to cash.
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Some services, like Walmart's, can help you cash a check even if you don't have a bank account.
This can be a lifesaver for people who are between jobs or have other financial emergencies.
Walmart's check cashing service can give you the cash you need right away, no bank account required.
How to Cash a Check
To cash a check at Walmart, you'll need to follow a few simple steps. First, visit a participating Walmart location, as not all stores offer check cashing services.
It's a good idea to call ahead and confirm that the store you plan to visit offers this service. You can do this by visiting the Walmart website or by calling the store directly.
Once you arrive at the store, gather the required documents, including the check you want to cash and a valid government-issued photo ID, such as a driver's license or passport. The ID must match the name on the check.
Head to the customer service area of the store, where you'll find signs indicating check cashing services. Present your check and ID to a customer service associate, who will verify your identity and the check's validity.
After your check is verified, you'll receive cash, minus any applicable fees.
Frequently Asked Questions
How long does it take for a check to clear at Walmart?
Check clearing times at Walmart vary, but funds are typically available within 2-3 business days after the transaction is processed
Sources
- https://www.wbaltv.com/article/where-can-i-cash-a-check-18128372/44227158
- https://www.brooksconkle.com/does-walmart-cash-checks/
- https://looksgud.com/blog/check-cashing-at-walmart-cashing-limit-fees-hours-stores-guide/
- https://www.linkedin.com/pulse/walmart-check-cashing-ultimate-guide-aim-tutorials-mnvwe
- https://medium.com/@kellytizem/walmart-check-cashing-a-comprehensive-guide-4b91cad61127
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