Does Walmart Cash Personal Checks? (Your Complete Guide)

Do you have a personal check and wish to cash at Walmart? Now, you're in the right place. This guide provides all the necessary details on whether Walmart offers personal check cashing services and additional relevant information to assist you.

Opening a bank account can be complex and time-consuming. Some customers find it challenging to visit a bank when they have a second option.

Because of the above, many people have asked, Does Walmart Cash personal checks? We have done detailed research to address this question fully with verified answers. Walmart is one of the leading one-stop shops for millions of consumers. In addition to grocery and other products, they also offer financial services.

In this article, we will answer the primary question and cover a few FAQs. Read what we found online about Walmart and cashing personal checks.

Does Walmart Cash Personal Checks?

Does Walmart cash personal checks

While Walmart cashes personal checks, it has unique specifications. We have seen that Walmart only cashes pre-printed personal checks at the participating stores featuring the money centers. They also clarify that their checking maximum is $5000 to cover the personal check at their store, while you are charged $4 when you cash a check below $1000. Any check that ranges from above $1000 to a max of $5000 is charged a fee of $8.

Walmart chases the two-party personal check, though only in the participating locations. Few states allow the services compared to the widespread availability of regular check cashing. We are sure you are eager to learn many other facts. Thus, let us keep reading the article together and explore a few FAQs and tips before concluding.

Limitations of Cashing Personal Checks at Walmart

Before we discuss how to cash personal checks at Walmart, let's explore some of the limitations you must consider. Walmart has outlined a few limitations regarding how much you can cash. However, the limit varies from one place to the other. For example, two-party personal checks are limited to $200, while business-issued checks have a limit of $5000.

However, Walmart has also indicated extending the limit on cashing personal checks to $7500 during tax season. Contact them before cashing a large amount at Walmart to save time. Ask the support team from the local Walmart store about the current limit on cashing personal checks, etc.

How to Cash a Personal Check at Walmart?

How to cash a personal check at Walmart

While we understand Walmart cashes personal checks, there is a procedure you need to follow to cash out. The check must be made to you. While chasing out, you must bring the physical personal check to Walmart. You must also present a valid government-issued ID card, driving license, or passport to get started or for verification.

Also, keep in mind that, at the moment, only the Walmart stores located in New Jersey and New York do not cash personal checks.

You have two options for cashing personal checks at Walmart. Depending on your preference, you can cash your check at the customer service desk. Walmart money centers are also perfect places to cash your check. You can find more locations using the website locator feature here.

Walmart's Money service centers are the same as the bank and are mostly found inside the participating grocery stores. In the money centers, you can get financial services support. With this second option, you can do almost anything a bank offers. It includes opening a bank account, withdrawing services, and making deposits. Paying bills and cashing checks are also part of the service.

However, note that you do not necessarily have to have a bank account to cash a personal check at the Walmart money service center. Before you can cash your check, you must sign it on the back of the pre-printed paper check. Once you present it to the employee, they will run the personal check through the electronic verification procedure. This ensures there is no fraud before approving and giving you the cash. However, Walmart will charge you a small fee for cashing a check.

In the next section, we will learn more about the service fee, charges, and other facts about cashing a check at Walmart.

How Much Does Walmart Charge for Cashing Personal Checks?

How much does Walmart charge for cashing personal checks

For personal checks that you cash at Walmart, there are few charges the store imposes on the services. It starts from a few cents to $6 and does not exceed $8. The major determinant is how much you are cashing at Walmart. Let us break it down as follows:-

1. Pre-printed checks.

These are checks sourced from the government, rebates, or for the employees. When you have a check worth $1000, you will incur a service fee of $4. Anything from $1001 to $5000 will cost you a max of $8 fee cashing. Still, they go beyond a special season, and when you want to cash a check worth $7500, typically from January to April, you must consult the customer desk and seek assistance. Though not sure about the charges here, typically, it is rumored to be $8.

2. Two-party personal check

This is the second type of personal check you might encounter at Walmart. They are often handwritten checks meant for the birthday from relatives with up to $200. For this personal check, cashing at Walmart will cost you $ 6 or less, and the fee depends on the location.

Note that Walmart has made cashing a simple task. They typically deduct the fee from the chase, and you will not need to carry an extra fee.

Also, note that Walmart might deduct some extra charges if you wish to deposit the Walmart Mastercard. This additional charge is $3, which enables the store to set up your card and make it ready for collection in-store instead of making an application online. Once you pay the initial fee, customers can deposit the card for free.

From the above, it is clear that customers can deposit the money into their Walmart money card by purchasing it from the retailer and requesting cash. Some people claim that the Walmart money card costs $1, while others claim it will cost you an initial charge of $3.

Types of Checks Walmart Cashes

Walmart cashes the following types of checks:

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

Walmart does not cash handwritten checks, checks with multiple payees, checks dated more than 180 days prior, post-dated checks, non-MoneyGram money orders, and MoneyGram money orders not issued at Walmart.

Exception Checks to Cash at Walmart

Exception checks to cash at Walmart

Some people have been asking if there is any check that Walmart does not cash. Well, there are a few types of checks that you will never get cashed at Walmart. Some of these are personal checks that are specifically made out to cash, as well as expired checks, which are post-dated checks or checks that have taken more than 190 days before cashing.

At some locations, handwritten personal checks are not accepted at Walmart. Similarly, currently, Walmart does not cash checks like savings bond checks, EFS checks, Comdata checks, Handwritten checks, and starter checks. Additionally, when Walmart suspects that an eligible check has been altered, they will still cash it.


Walmart is a popular retailer that guarantees customers multiple services worldwide. As one-stop-shop retailers, they also engage in financial services. While we have seen Walmart cash personal checks, they have specific limitations determined by your location. The general limit on cashing personal checks ranges from $5000 to sometimes $7500 on particular seasons. The company ensures you are accessible to your affordable daily needs. You can also cash your check at the money service centers beside the customer desk. Read the above article and grasp a few tips on how to cash personal checks.

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