How Much Does It Cost to Cash a Check at Walmart? What Time Does Walmart Stop Cashing Checks?

How Much Does It Cost to Cash a Check at Walmart? 

Cashing a check at Walmart comes with varying fees depending on the check amount and type. For checks of $1,000 or less, the maximum fee is $4. If you have a check exceeding $1,000 but within the range of $1,000 to $5,000 (or $7,500 from January to April), you'll incur a maximum fee of $8. Additionally, Walmart offers the option to cash two-party personal checks up to $200 for a maximum fee of $6.

It's important to be aware of these fees, which may change over time, and verify the current rates at your local Walmart before deciding to cash your check.Cashing a check at Walmart can be a convenient option, but understanding the associated fees is crucial to managing your finances effectively. These fees ensure that you are aware of the cost involved in this service, allowing you to make an informed decision about where to cash your checks based on your specific financial needs and preferences.

What Time Does Walmart Stop Cashing Checks?

Walmart MoneyCenter offers check cashing services with convenient hours of operation. If you're wondering what time Walmart stops cashing checks, you'll find that their check cashing services are available from 8 a.m. to 8 p.m. Monday through Saturday and from 10 a.m. to 6 p.m. on Sundays.

These extended hours during weekdays and weekends make it accessible for customers to cash their payroll or government checks, including tax refund checks, at their local Walmart stores. Moreover, even if a specific Walmart store doesn't have a dedicated MoneyCenter, you can still utilize their check cashing services at the Customer Service desk during their regular store hours.

Do Walmart Cash Checks?

Yes, Walmart offers check cashing services through its MoneyCenter. Customers can cash various types of checks, including payroll checks, government checks, and tax refund checks, at Walmart stores. This service can be particularly beneficial for individuals who do not have a bank account or prefer the convenience of cashing their checks in-store.

Walmart MoneyCenter's check cashing service is available during its operating hours, which typically run from 8 a.m. to 8 p.m. on weekdays and 10 a.m. to 6 p.m. on Sundays. It's important to note that fees may apply for check cashing, and the availability of this service may vary by location.

Walmart Check Cashing Limit

Walmart's check cashing limits depend on the type of check and the time of year. For two-party personal checks, the maximum amount that can be cashed is $200. However, for other types of checks, such as payroll checks, government checks, and tax refund checks, Walmart typically allows cashing up to $5,000 from May through December and increases the limit to $7,500 from January through April.

This seasonal adjustment in check-cashing limits is primarily aimed at accommodating the higher-value tax refund checks that are common during the first four months of the year, making it convenient for customers during tax season. It's important to note that these limits are subject to change, so individuals should verify the most current policies with their local Walmart store or on Walmart's official website before attempting to cash a check.

How Can Checks Be Cashed at Walmart?

If you're wondering how to cash checks at Walmart, the process is both convenient and straightforward. With just a few simple steps, you can turn your check into cash. All you need is a valid ID, your endorsed check, and a visit to your local Walmart store. Whether you choose the customer service desk or the MoneyCenter, Walmart provides a hassle-free solution for check cashing.

Prepare the Necessary Documents

Make sure you have the required documents before heading to Walmart. You'll need the check you want to cash and a valid ID, such as a driver's license or government-issued photo ID.

Locate a Walmart Store

Find a nearby Walmart store to cash your check. You can complete this process at either the customer service desk or the MoneyCenter, which is typically located within the store.

Check Operating Hours

Check the operating hours of the Walmart store to ensure you visit during a time when the customer service desk or MoneyCenter is open. Store hours can vary by location, so it's advisable to verify in advance.

Sign the Back of the Check

Before approaching the customer service desk or MoneyCenter, endorse the check by signing your name on the back. This signature is essential for the transaction.

Approach the Walmart Clerk

Present both your endorsed check and your valid ID to the clerk at the customer service desk or MoneyCenter. The clerk will verify your identity using the signature on your ID and the one on the check.

Verification Process

The clerk will carefully compare the signature on your check with the one on your ID to confirm that you are the rightful recipient of the funds.

Complete the Transaction

If the clerk verifies your identity and everything is in order, they will proceed with the check-cashing transaction. You'll receive the cash equivalent of the check's value.

What Types of Checks Are Eligible for Cashing at Walmart?

Walmart offers a convenient check cashing service for a variety of check types. Customers can typically cash government checks, payroll checks, tax refund checks, insurance settlement checks, retirement plan distribution checks, pre-printed checks, cashier's checks, MoneyGram money orders issued at Walmart, and even certain two-party personal checks, with specific limits. However, it's important to be aware of any applicable fees and check cashing policies, which may vary by location.

• Government Checks: These include payments like Social Security or tax refunds issued by government agencies.
• Payroll Checks: These are paychecks from your employer or payroll service, such as ADP.
• Insurance Settlement Checks: Checks you receive when settling claims with established insurance companies.
• Retirement Plan Distribution Checks: Checks disbursed from retirement accounts like 401(k) plans upon retirement or withdrawals.
• Pre-Printed Checks: Checks with your account information already printed, commonly used for personal or business transactions.
• Cashier's Checks: Secure and guaranteed checks are often used for large transactions or purchases.
• MoneyGram Money Orders: Money orders purchased at Walmart locations that can be cashed at Walmart.
• Two-Party Personal Checks: Some Walmart stores may cash personal checks issued to two individuals, often with a maximum limit of around $200.