How Does Walmart Check Cashing Work?

Many companies still pay their employees with checks, and these forms of payment are still used by numerous other organizations these days as well. While banks used to be known as the place to go if a check needed to be cashed, it has become more convenient for most people to take advantage of the Walmart check cashing policy instead. No form of registration will even be required in order to cash a check at Walmart – you will only need to provide identification in most cases.


Walmart Check Cashing – Which Checks can be Cashed Here?

When trying to obtain more information about the Walmart check cashing policy, one of the most commonly asked questions is that of, “What type of checks can I cash at Walmart?” In short, there are many different types of checks that can be cashed here, such as payroll checks, tax and cashier checks, government checks, checks that have been issued for insurance settlement purposes, 401(k), retirement distribution checks and any MoneyGram money orders that that was initially purchased at Walmart.

Various Amounts Accepted and Rates are Affordable

One of the main advantages of the Walmart check cashing policy is the fact that not only smaller checks are catered for. Check holders are able to present their checks of up to $5,000 to be cashed at Walmart branches, which prevents them from having to find a bank or other institution to help them obtain their money as quickly as possible.

Another tremendous advantage of cashing checks at Walmart is the fact that the process is extremely affordable. In most cases, checks of up to and including $1,000 will attract a fee of only $3, while checks from $1,000 up to and including $5,000 will only cost $6 to cash.


A Quick and Easy Process

Unlike banks where there can often be long lines of people waiting for service, most Walmart branches have numerous cashiers available at any given time. This means that you will not normally have to wait longer than a few minutes at the most to cash your check. You will be able to obtain your cash immediately as well, meaning that you will be able to do grocery shopping, pay for prescriptions or do anything else that may have required physical cash to do. Another option is having the value of your check loaded on to a Walmart MoneyCard, which can then be used to shop at Walmart – if you opt for this; some of the Walmart check cashing fees may be waived.

Cash Out Amounts May Sometimes Vary

When taking advantage of the Walmart check cashing policy, it is important to remember that the amounts that the company is willing to exchange for cash may vary at different times of the year. While it is primarily $5,000 between May and December, during the months from January through to April, it may sometimes be possible to cash checks of as much as $7,500. However, this may sometimes be dependent on the Walmart branch you use as well – you may have to inquire beforehand to avoid inconvenience. However, it is possible to have your check cashed at any cashier’s lane that is open.

Terms and Conditions May Sometimes Apply

While most store locations offer the option of Walmart check cashing, there are some states or areas where this service may not be available. Any fees that are applicable to having a particular check cashed will be deducted from the original amount of the check. It will be necessary to enter a PIN number at the time of cashing a check to ensure that no form of fraud takes place. In some cases, card cashing transactions may be limited to values of no more than $1,000 at a time, and card cashing is normally also limited to tax, government and payroll cards.

Always be Prepared

When using the Walmart check cashing service, it is important to be prepared. Always ensure that you have some form of identification on you, as this may be requested in order to process the transaction. If you are requesting the cash out of a particularly large check, it may be a good idea to have someone go with you for security purposes, as it can be risky to carry large amounts of cash on your person – especially during weekend or holiday periods.


Provided that you adhere to the terms and conditions laid out in the Walmart check cashing rules, it should be relatively easy to exchange your checks for cash at virtually any branch or store. Once you have cashed your check, you are able to do with the cash whatever is needed. Owing to the fact that various Walmart branches may have different check cashing terms and conditions, it’s essential that you familiarize yourself with them beforehand.