Yes — you can cash or deposit checks with the
Walmart MoneyCard app. Using the built-in
Ingo Money feature, you can take photos of your paper check and have the funds loaded to your MoneyCard, either instantly (for a small fee) or for free if you can wait. This 2025 guide covers how Walmart MoneyCard check cashing works, deposit limits, and what to do if your check doesn’t show up.
Can You Cash a Check with Walmart MoneyCard?
Yes — the Walmart MoneyCard mobile app allows users to deposit most checks using
Ingo Money. Funds are added directly to your prepaid balance after approval.
- Accepted checks: Payroll, government, tax refunds, cashier’s, and insurance checks
- Not accepted: Third-party or foreign checks
- Deposit options: Instant (fee) or Free (up to 10 business days)
How to Cash or Deposit a Check with Walmart MoneyCard
- 1. Open the Walmart MoneyCard app and log in.
- 2. Tap “Deposit” → “Deposit a Check.”
- 3. Enter the check amount and take photos of both sides.
- 4. Sign the back with “For mobile deposit only to Walmart MoneyCard.”
- 5. Choose between Instant (fee) or Free deposit.
- 6. Submit and wait for approval.
Instant deposits post within minutes for a 1%–5% fee (minimum $5). Free deposits clear within 7–10 business days.
Walmart MoneyCard Check Deposit Limits (2025)
| Type | Limit |
|---|
| Per check | $2,500 |
| Daily limit | $2,500 |
| Monthly limit | $10,000 |
Your personal limits may vary based on account verification and usage history.
How Long Does It Take for a Walmart MoneyCard Check to Clear?
- Instant Deposit: Within minutes (1–5% fee)
- Free Deposit: 7–10 business days
- Government & Payroll Checks: Often approved same day
You’ll receive an app notification once the deposit is complete or if additional ID verification is needed.
Why Walmart MoneyCard Might Decline a Check
- Photo is blurry or cut off
- Check is missing endorsement
- Amount exceeds your limit
- Duplicate or already-cashed check
- Name mismatch with MoneyCard account
If rejected, you’ll get an in-app message with the reason and instructions to fix the issue.
Can You Cash a Check Instantly with Walmart MoneyCard?
Yes — choose
Instant Deposit to receive funds in minutes via Ingo Money. It’s ideal for payroll or government checks when you need cash fast. For similar services, see our
Green Dot Guide and
Netspend Guide — both use the same Ingo Money network for instant check processing.
Is Walmart MoneyCard Check Cashing Safe?
Yes — the service is FDIC-insured and secured by Ingo Money’s photo verification and encryption. Your funds are loaded directly to your MoneyCard balance and ready to spend or withdraw.
Alternatives to Walmart MoneyCard Check Cashing
- Chime: Mobile check deposit with direct deposit activation (Chime Guide).
- PayPal: Instant deposits via Ingo Money (PayPal Guide).
- Cash App: Accepts mobile check uploads for verified users (Cash App Guide).
- Green Dot: FDIC-insured prepaid option (Green Dot Guide).
Final Thoughts
You can cash a check with Walmart MoneyCard in 2025 using Ingo Money in the mobile app. It’s fast, secure, and works for most payroll and government checks. Use Instant Deposit for quick funds or Free Deposit to avoid fees. For more ways to deposit checks from your phone, check out our
Netspend and
PayPal guides.