Do you have a personal check you need to cash and are looking for something easier than opening a bank account?
If so, you might be wondering whether or not your local Walmart cashes personal checks. Here is what I found out!
Does Walmart Cash Personal Checks?
Walmart does cash pre-printed personal checks at stores with Money Centers. There is a checking maximum of $5,000 for personal checks at Walmart, with a $4 fee for checks under $1,000 and an $8 fee for checks from $1,001 to $5,000.
If you want to learn more about cashing your personal checks at Walmart, keep on reading!
Are There Limits To The Personal Checks Walmart Can Cash?
There are limits to the dollar amount of checks that Walmart can cash. These can vary by location, but generally, Walmart limits two-party personal checks to $200 and business-issued checks to $5,000.
During tax season, Walmart will typically cash checks up to $7,500. However, before you bring in an exceptionally large check, it may save you time to call ahead to make sure your local Walmart can cash a check of that amount.
How Much Does Personal Check Cashing Cost At Walmart?
If you are cashing a personal check, the fee ranges from a few cents to $6 depending on the check’s amount.
For pre-printed non-personal checks, the fee is below $4 for the first $1,000. For checks over $1,000, the fee ranges from $4-$8 but will not exceed $8.
Walmart makes it easier than ever as they simply deduct the fee from the check you are cashing, so there is no need to bring any additional money with you.
How To Cash a Personal Check At Walmart
You will need to bring the physical check with you (that must be made out to you) and a valid government-issued ID card or passport.
Additionally, before visiting, customers should be aware that only Walmarts in the states of New York and New Jersey are unable to cash personal checks.
How Are My Funds Paid After Cashing a Check?
You can choose to receive your money in cash, or if you’d rather, Walmart offers a MoneyCard you can purchase to load your money onto. The cards cost $1, and the reload fee is waived if you reload it via check cashing.
To learn more, you can also see my guide on paying with checks at Walmart cash registers as a payment method.
What Types Of Checks Does Walmart Cash?
Walmart cashes almost every type of check you can think of:
- Business checks
- Payroll checks
- Social Security
- Government checks
- Insurance Settlement checks
- Retirement disbursement checks
- Tax Refund checks
- Pre-printed checks
- Cashier’s checks
- 401(k) or retirement checks
- Two-party personal checks (up to $200)
- Out-of-state checks
If you have a check which is not on this list, give your local Walmart a call, and they may still be able to cash it.
Are There Any Checks Walmart Doesn’t Cash?
Yes, there are certain types of checks that Walmart cant accept. These include personal checks, which are made out to cash, and checks that are expired, post-dated, or more than 180 days old.
Personal checks also cannot generally be accepted if they are handwritten. Walmart also doesn’t cash starter checks, savings bond checks, hand-written checks, EFS checks, or Comdata checks. If a check is suspected of having been altered, it will not be cashed.