Does Walmart Cash Personal Checks

Does Walmart Cash Personal Checks

Check for Insurance Settlement

You can also cash this type of check at Walmart centers. In personal injury claims that include a settlement, the insurance company of the defendant will send a check directly to your lawyer.

Your lawyer collects the check and then deducts the percentage of money agreed upon before sending you the balance in the form of another check. Once your case is awarded, it can take six weeks for the check to arrive.

In the United States, there are two types of 401(k) disbursements, retirement disbursements, and early retirement distributions. Retirement disbursements are quite easy to understand. Once you turn 59 1/2, the IRS permits you to start taking distributions from your 401(k) as income during retirement. Note that this check can also be cashed at Walmart centers.

This is another type of check that can be easily cashed at Walmart. The bank uses its own money to pay for cashier’s or teller’s check. Remember that these checks are just as valid as cash in the bank. Once a bank creates a cashier’s check, the bank guarantees to pay the amount printed on the check.

A tax refund is a reimbursement to taxpayers who must have overpaid their taxes, often due to having employers withhold too much from paychecks. According to detailed reports, over three-fourths of taxpayers are over-withheld, resulting in tax refunds. These checks can also be cashed at Walmart as long as you have the necessary identifications.

Two people can cash this check. It is written to one person using “or”. Note that if the check was made out to both people using the word “and,” then it has to be cashed by both parties. Walmart will cash your two-party check, up to $200 per check, and charge you $6 each. Have it in mind that most retailers and grocery stores charge up to $10 to cash a 2-party check, making Walmart a wonderful option.

The checks are already pre-printed with information such as the name/address of the payee, their bank’s name/address and a fractional routing code. They also include a voiding after a certain period and the routing and account numbers. They are ideal for users at home who prefer personal checks. They are identical to the checks you get from your bank.

Walmart has cashed many personal checks in their stores as of 2022. However, there are also exceptions. These include:

According to Walmart’s check chasing policy, they do not cash temporary checks or personal checks. Starter checks could be considered basic bank checks gotten from your bank once you open a brand new checking account in addition to your ATM and debit card. The checks don’t include any personal details such as the customer name or address. Most often, they come with a low check number which also identifies them as a starter check.

Walmart will not accept personal checks from third parties. As mentioned above, Walmart only accepts two-party checks that don’t exceed $200.

Third-party checks are quite different from starter checks because starter checks are most often blank and do not have a return address associated with the check. Third-party checks are not made payable to you but to someone else. They require a two-step process to cash them involving two endorsement signatures.

Walmart does not cash handwritten checks (even from business accounts) because there is a higher chance of fraud and insufficient funds in the account. Walmart has a policy that only accepts pre-printed checks (electronically produced) to avoid any risks.

Walmart will only cash a check if it has been printed and features the name of the company, telephone number, address, date issues, and the amount of the check (both alphabetically and numerically).

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Walmart has a strict policy of 180 days for allowing checks and their issue date. It simply means that Walmart will only cash checks dated within the last 180 days. However, if the check is good for one year, there is a good chance that the check will be cashed. It is best to only bring checks within the last six months.

    MoneyGram Money Orders Not Issued At Walmart
  • MoneyGram Money Orders Not Issued At Walmart
  • Does Walmart Cash Personal Checks

    Does Walmart Cash Checks? Know Walmart Check Cashing Fee, Limit, & Everything

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    The blog answers all the questions you may have about “Does Walmart cash checks” as well as other common queries.

  • Does Walmart cash checks…
  • What is the fee for Walmart to cash my check?
  • How much can you cash a Walmart check?
  • What time and day can I cash my check at Walmart?
  • Does Walmart require an ID to cash a check?
  • Walmart approaches distinctive strategies and ideas for its retailing business.

    Being not only America’s biggest retail shopping store but also a primitive hub for financial services.

    Walmart MoneyCenter is the place to go if you ever ran out of money at Walmart.

    Walmart MoneyCenter is the company’s innovative one-stop financial services to help people with financial requirements including check cashing.
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    Does Walmart Cash Personal Checks

    Walmart check cashing fees and Walmart check cashing limit

    How much does it cost to cash check at Walmart?

    Walmart has different fees to cash checks depending on what type of check it is.

    Check cashing at Walmart is not cheap.

  • Checks up to $1000 are $4 and checks above $1,000 are $8
  • Personal checks – $4 for checks up to $1,000 and $8 for checks over $1,000

  • Government checks – $4 for checks up to $1,000 and $8 for checks over $1,000
  • Checks up to $1000 are $4 and checks above $1,000 are $8

  • Payroll checks – $4 for checks up to $1,000 and $8 for checks over $1,000
  • Payroll checks – $4 for checks up to $1,000 and $8 for checks over $1,000

    Note: Walmart has check-cashing limits. The maximum Walmart check cashing price is $5,000, with some exceptions during tax season when the limit may increase to $7,500.

    Does Walmart Cash Personal Checks

    Walmart does not accept all types of checks.

    Walmart will not cash a number of checks. Some of these checks are:

  • Our article on cashing handwritten check lists all the locations where you can cashed handwritten checks.
  • Checks that are made out to you or to cash (We list the places that cash personal checks.)
  • Outsiders’ checks (Our article on where you can cash a check from a third party tells how to do it.
  • Starter checks
  • Checks for Savings Bonds
  • Altered checks
  • Checks older than 180 Days
  • Checks that have expired
  • Our research shows you how to cash checks with future dates.
  • Money Orders Other Than MoneyGram. (We will tell you how to cash an USPS money order or a Western Union Money order.
  • Checks/Checks Comdata (as previously reported)
  • Walmart can’t also cash checks in New York and New Jersey due to state laws.

    Does Walmart Cash Personal Checks

    What Types Of Checks Can I Cash At Walmart?

    According to the Walmart check cashing policy, valid checks should be cashed at the customer service desk or the Money Center Services desk during regular store hours.

    Here are the check types that you can cash at Walmart:



    Refunds of Tax

    The Government

    Insurance settlement
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    MoneyGram Money Orders Purchased at Walmart

    Businesses can benefit from a variety of business opportunities.

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    Personal for two parties

    Distributions from a 401(k), or retirement plan


    Walmart will cash checks issued by other states in the same manner as checks written within the state.

    For many banking institutions, the terrible possibility of fraud and theft linked with cash checking poses an ongoing threat.

    Walmart is not exempt from them.

    Walmart has put restrictions on what types of checks can be cashed at its money service department to discourage scammers.

    The advantage of this is that Walmart will pay your check as long as it is pre-printed.

    People who want to access their money without making additional trips to the bank will find this to be very convenient.

    You can just go to the customer care counter and present your check if you’re still unsure about whether Walmart will pay it.

    Walmart employees are well-versed in check cashing and can answer any of your questions about a particular check.

    You should be aware that Walmart does not accept personal checks as payment. Sadly, those checks will necessitate a trip to the bank.

    Does Walmart Cash Personal Checks

    Can I Cash All Types Of Checks At A Walmart Gas Station?

    Walmart accepts most checks if it can verify them using their machines and they are pre-printed. Personal checks must be under $200, or else you’ll have to go to the bank. Whether the check is hand is printed, Walmart will cash it for you.

    Walmart accepts the following types of checks:

  • Government checks
  • Check for Insurance Settlement
  • Payroll Checks
  • Cashier’s checks
  • Pre-printed checks of all sorts
  • 401(k)
  • Refunds of Tax
  • Two-party personal checks
  • MoneyGram Money Orders Purchased at Walmart Stores
  • Walmart won’t accept personal checks if they are over $200. You will need to take them to your bank. There are some checks that Walmart will not accept and some instances where your check will be denied.

    Other instances and checks not accepted at Walmart include:

    If you are not sure whether Walmart can accept your check, talk to a customer service desk attendant, and they will look at your check and advise you further. Walmart offers more information online for their customers to understand more.

    Do stores accept personal checks? Besides the gas station, you can also use the checks to shop at any of the Walmart stores or any other stores that accept checks.

    Does Walmart Cash Personal Checks

    Where Can I Cash A Personal Check?

    If you don’t have a bank account, you may wonder ‘where can I cash a personal check?’ It becomes apparent rather quickly how important a bank account is for everyone.

    In today’s digital age, though, not everyone has a bank account, and receiving personal checks doesn’t happen nearly as often as it used to. But, if you receive one, it’s important to know where to cash a personal check without a bank account.

  • What are personal checks?
  • Where Can You Use Personal Checks?
  • 1. The Issuing Bank
  • 2. Your Bank
  • 3. Grocery Stores
  • 4. Walmart
  • 5. Kmart
  • 6. 7-Eleven
  • 7. Ace Cash Express
  • 8. Check Into Cash
  • 9. Ingo Money App
  • 10. PL$ Check Cashing
  • 11. Money Mart
  • 12. Banks That Will Cash Personal Checks
  • 1. Endorse the Check to a Friend
  • 2. Use a Prepaid Debit Card
  • 3. Paypal
  • 4. Your Employer
    • How to Cash a Check Without a Bank Account
  • How to Cash a Check Without a Bank Account
  • Checks are good for how long?
  • How long is a personal check valid?
  • How Long Do You Have to Cash a Check?
  • What is the fastest way to cash a personal check?
  • What is the location of my Stimulus check?
  • Does Walmart Cash Checks?
  • Does Walmart Cash Stimulus Checks?
  • Does Walmart Cash Personal Checks?
  • Where Can I Cash a Personal Check For Free?
  • Does Walmart Cash Personal Checks

    Walmart accepts what types of checks?

    There are a number of different checks that Walmart can cash for you at checkout lines. There are many types of checks that Walmart can cash for you at the checkout line.

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    Walmart will likely cash your check as long as the pre-printed version is present. If you’re unsure, you can visit the customer service desk to inquire if you have a check that doesn’t meet the listed criteria.

    They also accept MoneyGram Money orders, as long as the money order was purchased from Walmart. The only types of checks they cannot cash are personal checks.

    Does Walmart Cash Personal Checks

    Cashing Your Checks At Walmart Stores

    Walmart provides check-cashing services to these checks.

  • Checks for personal use
  • Personal checks

  • Checks for Business
  • Business checks

  • Checks for two parties
  • Two-party checks

  • Paychecks
  • Paychecks

  • Checks issued by the government (ex. stimulus checks, IRS refund checks, tax refund checks etc.).
  • Checks issued by the government (e.g. stimulus checks, IRS refund checks).

  • International checks.
  • International checks.

    The process is quick and efficient.
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    Choose between cash and a Walmart Money Card.

    Cashing checks in Walmart is subject to fees, limitations, and requirements for identification.

    Does Walmart Cash Personal Checks

    How much cash can I withdraw from a Walmart Cash Check?

    Tax season is between January and April. The rest of the year, you can only cash checks up to $5,000. Tax refund checks make up the bulk of the large checks that people seek to cash out at the beginning of the year.

    When you cash your check, you can choose to receive cash, or you can load the money into a card. If you choose to receive cash, Walmart will give you your money minus the fee.

    If you choose to take a MoneyCard, you have two options. You can go apply for the card in-store, get approval, and then pick your card. Pay a $3 processing fee, and you can load money into that card as many times as you need in the future.

    If you have no time to drive a Walmart MoneyCenter, apply for the card online at, and they will mail the card to you. Once the card comes to you, you can take it to the MoneyCenter, and they will add money into it from your check. You can save $3 by applying for the card at the store. However, it takes a bit longer.

    You can add money to your Walmart MoneyCard from a variety of sources. Your employer can also deposit money directly into your card.

    Does Walmart Cash Personal Checks

    Can I cash my personal checks at Walmart for less than a bank?

    It can be difficult to compare which option is more cost-effective: cashing at Walmart versus the bank. It is difficult to compare because it depends on the bank in question and the amount. Some banks cash checks for free while others charge a fee based on a certain criterion.

    If you are cashing less than $ 50, it is better to cash the check at a bank. Even if you’re not a bank member, most banks don’t charge for small amounts. If you need to cash a check for more than $50, you can cash it at Walmart rather than a bank if you’re not a member.

    You may also choose Walmart because of their convenient hours. If you want to cash your check, you have to do so during these hours. Walmart allows you to cash your checks at any time, as long as the store is opened and that you are in compliance with the rules.