How To Cash A Check At Walmart

Knowing How To Cash A Check At Walmart will help you get cash quick, save yourself the hassle of trying to get to your bank before it closes, standing in a long line at a check cashing store or trying to find an ATM on your way home. While you’re doing your shopping in Walmart, you can cash your check there as well.

Not only do you get your cash immediately, you can also save money doing it. Saving you money is what we do best, and their low prices, every day, on everything is just one of the many examples of how we do this. Allowing you to cash your check hassle-free and for a low fee is another.

Walmart can cash printed checks of most any size. Payroll or tax refund checks are examples. You can only cash handwritten checks that are $200 or less.

You need your ID and you need to know your social security number

Note: Walmart is not a bank. They have to go through a secondary company to cash checks. This company can deny checks without telling you why, and if you want to complain about a denied check, please don’t do it to the service desk associate. They can’t help you. Call the number for Certegy that the register will print out upon denial of the check.

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You’ll get an automated system at first but eventually you can ask a representative why your check was denied. Occasionally they just need extra information from you to verify your check and then they can process the check. Ultimately it’s up to Certegy, and if they say they can’t help you, that’s it.

Checks below $1000 cost $3 to cash, otherwise it costs $6. The fee is taken directly from the check amount. Checks that have been folded or wrinkled are harder to read by the machine, and if the machine can’t read the numbers on the bottom there’s no way to enter them in manually.

If you’ve never cashed a check at any Walmart before and your check is over $1500 it’s been my experience that often times a red flag will be raised for Certegy and it’ll be denied.

What Kind of Checks Does Walmart Cash?

There are a number of different checks that they can cash for you at checkout lines. These include payroll checks, government checks, tax refund checks, cashiers’ checks, insurance settlement checks and 401(k) or the retirement account disbursement checks.

In fact, as long as it’s a pre-printed check, it’s likely they can cash it. If you’re unsure, please visit their customer service desk to inquire if you have a check that doesn’t meet the listed criteria. In addition, they also cash MoneyGram money orders as long as they were originally purchased at Walmart. The only types of checks they cannot cash are personal checks.

How To Cash A Check At Walmart

Walmart make it simple for you to cash your check while you’re at Walmart. All you need to do is present your endorsed check to the cashier at their Money Service Center or Customer Service Desk, along with valid identification, and pay the required fee.

There’s no need to register to cash checks with them or to have either a Walmart store credit card or Walmart MasterCard. Once you have completed this process, you have your money in a matter of moments.

Get your money when you need it — cash your check at your local Walmart store.

Load your cash on your Walmart MoneyCard for extra convenience. Get your card online and pay no issuance fee.

In Stores


  • No registration required
  • Get your cash immediately
  • Load your money on a Walmart MoneyCard for extra convenience (reload fee is waived)

Options and price

  • For checks up to and including $1000: max. $3.00
  • For checks over $1000 up to and including $5000: $6.00

Payment methods

  • Cash
  • Walmart MoneyCard (reload fee is waived)

What you can cash

  • Payroll checks
  • Government checks
  • Tax checks
  • Cashiers’ checks
  • Insurance settlement checks
  • 401 (k), retirement disbursement checks
  • MoneyGram money orders that were purchased at Walmart

Cashing limit

  • $5,000 ($7,500 from Jan-Apr)

How to cash checks

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The Bottom Line

The Walmart MoneyCard is a prepaid card that works just like a debit card, and it’s loaded with your own money. It comes with either MasterCard or Visa branding and is used for purchases and cash advances. It also gives you other advantages like allowing you to set up direct deposit with your employer and possibly receive the money two days earlier than you’d typically do so from your bank.

You can also get rewarded by using the card. This includes getting 3 percent of your purchase price back when you use the card at, 2 percent back when you get gas at either a Walmart-branded gas station or one operated by Murphy USA and 1 percent back when you use the card at a Walmart or Sam’s Club location.

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