Does Walmart Cash Social Security Checks? (Full Guide)

If you’re looking to save yourself from traveling to a bank, you may be wondering if Walmart cashes Social Security Checks.

Below, you will find my full guide on whether or not Walmart offers this service, the fees, and how to cash a Social Security Check. Let’s get started!

Does Walmart Cash Social Security Checks?

Yes, Walmart does cash Social Security Checks via Walmart’s in-store MoneyCenter. Walmart charges a $4 fee to cash Social Security Checks to $1,000 and $8 on Checks worth $5,000 or under. Customers will need their Social Security number and a valid photo ID for verification.

Keep on reading for all you need to know on cashing Social Security Checks at Walmart!

How To Cash A Social Security Check At Walmart

Simply head over to your local store where associates stationed at the customer service desk or MoneyCenter counter can process your Social Security Check.

Ensure to bring a valid photo ID such as a passport, drivers’ license, or state-issued ID. Additionally, it is recommended you arrive with your Social Security number prepared.

Once the associate has verified the transaction, the appropriate fees will be deducted from the Social Security Check, and you’ll receive the funds straight away.

How Are Funds Paid By Walmart?

You’ll have the option whether to receive the funds in cash or load the total or part of the value to a Walmart MoneyCard, a prepaid debit card that can be used anywhere that accepts Visa. You’ll be charged an additional $3 every time you load the card via Check cashing.

Does Walmart Charge A Fee To Cash Social Security Checks?

Yes, Walmart charges a small fee to cash Social Security Checks. $4 is set for Checks worth $1,000 or less whereas $8 is charged for Checks $1,001-$5,000. Two-Party Personal Checks cost a maximum of $6.

Fees increase on Checks over $5,000 that is valid in the first 4 months of the year. You’ll need to contact your local store for further information.

How Does Walmart Verify Social Security Checks?

Walmart associates will ask to see a valid form of photo ID to ensure you are the person stated on the Check.

Electronic verification tools powered by TeleCheck or Certegy will be used to certify the Social Security Check. You may also be asked to present your Social Security number.

Are There Check Cashing Limitations At Walmart?

Yes, Walmart only accepts Checks up to $5,000 from May till the end of December. The limit increases from January till the end of April to $7,500. Walmart will only allow 3 Check cashing transactions per customer per day.

Can Walmart Refuse To Cash My Social Security Check?

Yes, Walmart reserves the right to refuse any Social Security Check that is suspicious, expired, or handwritten; signatures are excluded. Anyone without valid proof of identity may be denied.

Social Security Checks could potentially fail the third-party verification due to a printing or paper issue. You’ll need to call the Check supplier for assistance.

For other services available from Walmart, also see our guides on if Walmart can cash payroll, Wells Fargo, and starter checks.


Yes, Walmart will cash Social Security Checks at customer service desks and MoneyCenters. You’ll need to bring a photo ID and prepare to present your Social Security number. You’ll be charged $4 for every check-up to $1,000 and $8 on Checks worth $1,001-$5,000.  

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Marques Thomas

Marques Thomas graduated with a MBA in 2011. Since then, Marques has worked in the retail and consumer service industry as a manager, advisor, and marketer. Marques is also the head writer and founder of

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