Does Walmart Cash Personal Checks? A Detailed Guide!

Walmart offers a wide variety of financial services and its vast selection of goods. Customers are most often interested in finding out about check cashing.

Are you trying to find an alternative to creating a bank account to cash a personal check?

Have you ever wondered if Walmart cash personal checks if you tend to shop at Walmart regularly and pay with cash?

You aren’t sure whether this large shopping center offers to check to cash, but checking your personal check is convenient.

If this is the case, you may be asking whether your local Walmart accepts personal checks. Here is what I discovered!

Does Walmart Cash Personal Checks in 2022?

Walmart now accepts personal checks, but there are a few points to keep in mind.

You must bring valid identification with you when you visit your local Walmart. You will need your driver’s license, passport, or similar photo identification to cash a check at Walmart.

Walmart cash pre-printed personal checks at Money Centers starting in 2022. The maximum amount of personal checks accepted at Walmart is $5,000, and there is a $4 fee for checks under $1,000 and an $8 fee for checks between $1,000 and $5,000.

Walmart Cash Personal Checks

Second, it’s critical to remember that Walmart accepts only pre-printed personal checks. Therefore, if you have a check that another individual has handwritten, the store may not process it for you.

Finally, Walmart caps the cash you can withdraw from a personal check at $5,000 each day. We’ll address this in further detail later.

While Walmart Money Centers are quite adaptable, they do have some limitations. For example, Walmart would reject personal checks drawn to cash, expired checks, post-dated checks, and more than 180 days old checks.

Are There Limits To The Personal Checks Walmart Can Cash? 

Walmart has dollar limits on the cheques it may cash. Walmart limits the value of personal checks and business checks to $5,000 and $200, respectively, depending on the location.

Walmart usually cashes checks up to $7,500 during tax season. However, if you have an unusually large check, you may want to give Walmart a call ahead of time to make sure your Walmart nearby can cash it.

How To Cash a Personal Check At Walmart?

You will be required to bring a government-issued identification card or passport along with the check, which must be made payable to you.

Moreover, Walmart stores only in New York and New Jersey cannot cash personal checks before customers’ visits.

Are There Any Limits To The Personal Checks Walmart Can Cash? 

The amount of checks that Walmart can cash is limited because of its financial constraints. Your state may have different restrictions. 

The maximum value of a two-party check is $200, while the maximum value of a business-issued check is $5000.

If you need to cash a check greater than $7,500 in advance, you should call so the local store can be prepared to deal with large amounts in advance. You can then proceed to Walmart and deposit the cash there as needed if they agree to your terms.

What Is The Cost To Cash Personal Check At Walmart? 

The cost of cashing a personal check can range anywhere from a few cents to $6, depending on the check amount.

The price for non-personal checks that are pre-printed is less than $4 for the first $1,000. When the check exceeds $1,000, the fee goes from $4 to $8, although it won’t go over $8 in any case.

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Walmart will deduct the charge from your check when you cash it, so you won’t need to bring any additional cash. Walmart makes it even easier by not requiring you to carry any additional cash.

How Does Walmart Pay My Funds After Cashing a Check?

You can choose to receive your money in cash or use the Walmart MoneyCard to load it once it is received. You can reload the card for free at a check-cashing facility if you purchase the card through a check-cashing facility.

Walmart Cash Personal Checks

What Types Of Checks Does Walmart Cash?

You can cash almost any type of check at Walmart, including:

  • Business checks 
  • Social Security
  • Insurance Settlement checks 
  • Tax Refund checks 
  • Cashier’s checks 
  • Two-party personal checks (up to $200)
  • Payroll checks 
  • Government checks 
  • Retirement disbursement checks
  • Pre-printed checks
  • 401(k) or retirement checks
  • Out-of-state checks 

You might still be able to cash your check at Walmart if your check is not on this list.

What checks does Walmart not cash?

Walmart does not accept certain types of checks, including several bank checks. A personal check that is payable to cash and a check that is expired, postdated, or more than 180 days old are included here.

Whether written by hand or typed, personal checks are not generally accepted. Furthermore, Walmart does not accept any starter checks, savings bond checks, handwritten checks, EFS checks, or Comdata checks, among other things. The check cannot be cashed if it is suspected of being altered.

Final Words

Hopefully, you were able to find an answer to your question about whether Walmart accepts personal checks through the topic. 

You can come into any Walmart store and give your check to the customer service counter, taking your check to the processing department for further processing.

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Overall, it’s an excellent alternative if you don’t have access to a bank account or require immediate funds.

Thank you for reading about the Walmart cash personal checks features. We will see you soon in the next article!


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