What’s Walmart’s Cashing Check Policy?

Do you want to know how to cash a check at Walmart without having to rely on a checking or savings account? You can get by without opening a checking or savings account at a local or global bank. This is especially the case if you conduct financial affairs using credit cards, virtual currency, and/or cash.

How to Cash a Check at Walmart

Walmart will serve as an option for checking cashing services to banks. You might want to use Walmart to cash a check if you don’t have access to a bank account.

Let’s learn how we can cash a check at Walmart!

How to Cash a Check at Walmart

Cashing a check at Walmart is simple and doesn’t require any prior registration or special store credit cards. Here’s how you can do it:

1. Endorse the Check: Before heading to Walmart, make sure to sign the back of your check to endorse it.

2. Visit the Store: Go to your local Walmart and find the Money Services Center or the Customer Service desk. These are located at the front of the store.

3. Present Your Check and ID: Hand over your endorsed check and a valid form of identification to the cashier. Acceptable IDs usually include a driver’s license, state-issued ID, or passport.

4. Pay the Fee: There will be a small fee for cashing your check at Walmart. The amount can vary depending on the amount of the check. This fee is for processing your transaction.

5. Receive Your Cash: Once everything is verified, you’ll receive your cash immediately.

What Types of Checks Can Be Cash?

Walmart is very strict with the kinds of checks that are accepted for its check-cashing services as check fraud is a problem.

Therefore, only the following checks can be cashed:

  • Payroll checks
  • Government checks
  • Tax refund checks
  • Cashiers’ checks
  • Insurance settlement checks
  • 401(k), retirement disbursement checks
  • MoneyGram money orders issued at a Walmart

As you can see, personal checks are not included in the list. Walmart will cash preprinted checks, as in those where the check isn’t handwritten.

What are the Check-cashing Limits?

When it comes to cashing checks, there are certain limits you should be aware of, which can vary depending on the time of year and the type of check you have.

For most of the year, the maximum amount you can cash is $5,000.

From January through April, this limit is increased to $7,500 to accommodate larger checks that might be received during tax season or other financial settlements early in the year.

Fees for Cashing Checks

The fee for cashing pre-printed checks up to $1,000 is capped at $4. Pre-printed checks are typically those issued by businesses or government agencies (like payroll checks or tax refunds).

For pre-printed checks that exceed $1,000, the maximum fee charged is $8. This covers the same types of checks, just in larger amounts.

The limit for two-party personal checks, which are checks made out to two individuals (e.g., a check written to you from another person), is $200. 

The maximum fee for cashing these checks is $6. These checks generally include checks written between private individuals rather than businesses or government bodies.

Compared to Cashing Checks at a Bank

Compared to Cashing Checks at a Bank

Here are the costs of cashing checks at banks as a non-customer:

BankNon-Customer Check Cashing Fee
Bank of America$8 per check for amounts greater than $50.00
Chase$8
BB&TFree under $50; Over $50 a fee of $8
BMO Harris Bank$10 ($50 is the minimum amount you can cash)
Capital OneFree
BBVA Compass$10
CitibankFree for checks under $5,000
Fifth Third Bank1% of the check amount ($4 minimum and $25 maximum)
HSBC BankFree for personal checks; $3 for business checks under $100 and $5 for business checks of $100 or more
KeyBank1.0% of the check amount ($3 minimum and $25 maximum)
M&T Bank2% of the check amount ($3 minimum)
PNC BankFree for checks $25 and under; 2% of the check amount for checks greater than $25 ($2 minimum)
Regions BankFree under $10, but above $10, 1% of the check amount ($2 minimum and $20 maximum)
Citizens-Bank$7
SunTrustFree for checks $50 or under; $7 if greater than $50
TD Bank$7
Union Bank$10 fee for personal checks over $100; $10 for business checks over $25
U.S. Bank$5
Wells Fargo$7.50

Cashing a check at Walmart might not be the cheapest option, your bank likely offers this service for free. However, Walmart offers convenience with its numerous locations nationwide. Additionally, 

Walmart stores often have longer operating hours than banks, making it possible for you to cash checks during evenings or weekends. 

It’s helpful to have the option to cash various types of checks at Walmart, especially when you need flexibility.

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