Does Walmart Cash Third Party Checks? [All You Need To Know]

People often need to get third-party checks cashed but find that institutions are generally reluctant to do so.

Since Walmart (with 4700+ stores nationwide) is easily accessible and offers check-cashing services, you may be wondering: does Walmart cash third-party checks? Here is what I’ve found out!

Does Walmart Cash Third Party Checks?

Unfortunately, Walmart does not cash third-party checks because of the increased risk of fraud that these checks carry. Instead, Walmart customers you can get a third-party check cashed through a bank or credit union. Note that you will have to pay fees and present a valid photo ID.

If you want to learn more about why Walmart does not cash third-party checks, which banks and stores offer this service, and what fees you have to pay for it, keep on reading!

Why Does Walmart Not Cash Third Party Checks?

Third-party checks are different from standard checks in that the original recipient nominates a second recipient who will receive the cash or deposit the amount in the check.

This is done by the first recipient writing down the name of the second recipient and getting their signature.

However, the chances of fraud with these kinds of checks go up significantly once the check changes hands more than once.

Often, check-cashing services accept these checks only to find out later that the check had not reached the final intended recipient.

Therefore, Walmart does not accept third-party checks at any of its stores. It only accepts two-party checks.

Where Else Can You Get Third-Party Checks Cashed?

You can get a third-party check cashed at most local banks, credit unions, and check-cashing companies. However, the best option is to head over to the bank where the check has been drawn on.

Here is a list of all the banks and credits you can visit to get a third-party check cashed:

  • Bank of America
  • Citibank
  • Chase Bank
  • Navy Federal Credit Union
  • Chartway Federal Credit Union
  • HSBC
  • SunTrust Bank
  • BB&T
  • TD Bank
  • M&T Bank
  • First National Bank
  • S. Bank
  • Connexus Credit Union

You can also get a third-party check cashed at the following check-cashing stores:

  • ACE Cash Express
  • Advance Financial
  • Check ‘N Go
  • Speedy Cash
  • The Check Cashing Store

How Can You Cash A Third-Party Check?

Because of the high risk of fraud, banks and cashing stores have strict policies regarding the cashing of third-party checks.

This includes the requirement that both recipients be present in person at the bank or cashing store when submitting the check and should have valid government-issued photo IDs.

Without this condition being met, the bank or cashing store will refuse to cash the third-party check.

You can contact the bank or cashing store you are planning to visit in advance to find out about the official policy for cashing third-party checks at that institution.

Do You Have To Pay Any Fees For Cashing Third Party Checks?

Yes, some banks and cashing stores charge a fee for cashing third-party checks, particularly if you do not have an account in the bank the check was drawn on.

The fees vary from bank to bank, and so you can contact the institution to find out the fees it charges.

To learn more, you can also read about what time Walmart stops cashing checks, if Walmart accepts international checks, and if Walmart accepts saving bonds.


Walmart does not cash third-party checks at any of its stores due to the inherent risk of fraud associated with third-party checks.

However, you can get third-party checks cashed at banks, credit unions, and cashing stores such as Bank of America and ACE Cash Express. To get the check cashed, you will have to be present with the original payee, pay a fee, and present a valid photo ID.

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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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