Are you looking for a way to cash your personal check without having to go to the bank? If so, Walmart may be the solution for you. In this article, we’ll talk about how to cash personal checks from Walmart and give you some tips to make the process as easy as possible.
So, Does Walmart cash a personal check?
The short answer: Yes, Walmart will cash a pre-printed personal check as long as you have a valid ID and funds are available in your account. However, there are a few things to keep in mind before you head to the store.
Let’s look at the procedure in more detail.
Does Walmart cash personal checks?
Yes, Walmart now cashes personal checks, but there are a few things to know.
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First of all, when you go to Walmart you must have the correct identification. The correct type of ID to cash a check at Walmart is a driver’s license, passport, or other government-issued ID.
Second, it is important to note that Walmart only cashes pre-printed personal checks. So if you have a check handwritten by someone else, the store may not be able to process it for you
Lastly, Walmart limits the amount of money you can receive from a personal check to $5,000 per day. We will talk about it in more detail later.
They are incredibly flexible, but they have some limitations. For example, personal checks issued in cash, expired checks, postdated checks, or checks more than 180 days old are rejected by Walmart.
How to cash a personal check from Walmart?
If you want to cash a Walmart check, the procedure is relatively simple.
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Here’s how to cash a Walmart personal check:
- Carry proper identification with you. This is not a place where checks are cashed without identification.
- Present your check to a Walmart employee in the Money Center near the store entrance.
- Wait for the funds to be processed and transferred from your account to the Walmart system
- Collect the money from the clerk once the transaction is complete.
If this is your first time trying to cash a Walmart check, they may ask for your Social Security number to verify your identification. However, you will only have to provide your SSN once and will not have to do so again in the future.
Walmart Money Centers are the only places where you can cash checks in-store. Simply bring your approved check and photo ID to any Money Center ATM. The teller will examine your ID and authorize the check.
It is important to know that New Jersey and New York are the only states that do not allow Walmart to cash personal checks.
How much does it cost Walmart to cash a personal check?
If you plan to cash a personal check from Walmart, you will be charged a service fee. The fee to cash a Walmart check is typically $4 for checks under $1,000 and $8 for checks over $1,000.
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The merchant can deduct the fee from the total amount of the check, or you can pay it in advance
What is Walmart’s check cashing limit?
Walmart has a check cashing limit of $5,000 per day. This means you cannot cash checks worth more than $5,000 in a single transaction or in total using multiple checks.
However, from January to April, the limit rises to $7,500 at Walmart due to increased demand for tax refund checks.
Do I receive cash payment from Walmart after cashing a check?
After you successfully cash a personal check from Walmart, the store will give you the cash equivalent of the check amount. You will receive the total amount less the check cashing fee.
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You can also choose to transfer the money to a “Money Card.” Walmart Money cards only cost $1 and can be used anywhere Visa or Mastercard is accepted. In addition, the recharge fee is free if the recharge is done by cashing checks.
What type of checks does Walmart cash?
From payroll checks, tax refund checks, insurance refund checks, and MoneyGram money orders, Walmart cashes any pre-printed personal check that has the store name and address on it. This includes checks from banks, credit unions or other financial institutions.
If you have a valid ID, Walmart will likely process the check. Here are other checks Walmart cashes at the Money Center:
- company checks
- stimulus checks
- Payroll checks
- Social Security
- Government subsidies
- Retirement benefits
- Pre-printed checks
- Bank drafts
- 401(K) or retirement checks
- Two-party personal checks (up to $200)
- Out of State Checks
What types of checks does Walmart not cash?
Although Walmart allows most personal checks to be cashed, there are some types of checks that Walmart does not cash, including
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- Handwritten personal checks
- Postdated checks
- Third party checks
- Goodwill checks
- Check with multiple beneficiaries
- Savings bonus
- EFT Checks
Contact your local Walmart store to see if they exchange other types of checks not listed here. Walmart Money Center hours are generally 8:00 a.m. to 8:00 p.m., Monday through Saturday. Sunday hours are generally 10:00 a.m. to 6:00 p.m. Money Center hours are limited, even at nearby 24-hour grocery stores.
Can I cash a foreign check at Walmart?
Walmart generally does not cash foreign checks because it requires special processes and rules. However, it is worth contacting your local store to see what financial services they offer.
How does Walmart verify my check?
Before cashing a personal check, Walmart must ensure that funds are available in your account. This is done by verifying the routing number with Telecheck and Certegy.
is a check verification service that helps merchants to accept checks as payment. The system compares the check information to a database of bad checks to verify that they are not fraudulent.
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is another check verification company that Walmart uses. The system also examines the information on the check and your credit history to determine if you have sufficient funds to cover the amount of the check.
Check out our related article to find routing numbers for Chase Bank, Navy Federal Credit Union, and PNC.
Does Walmart cash handwritten checks?
Walmart generally does not cash handwritten checks. Verification of a handwritten check requires a unique process and the rules associated with cashing it. Additionally, the check verification system used by Walmart cannot verify funds or authenticity
Does Walmart cash two-party personal checks?
Walmart cashes personal checks from two people, but the check amount cannot exceed $200 and charges a $6 fee.
Does Walmart cash third-party checks?
Like other retailers, Walmart does not cash third-party checks. This type of check carries a high risk of fraud and is not accepted by most businesses. A third-party check is issued by one person to another and not by the person who issued the check.
Fortunately, 24-hour check cashing centers and banks can cash a third-party check without any problems.
Can someone else cash my Walmart check?
No, Walmart does not allow anyone else to cash your check. In fact, Walmart requires identification of the person cashing the check to ensure that funds are transferred correctly and that fraudulent activity does not occur.
You can always endorse a check to someone else. However, endorsing the check to someone else will make it a third-party check, so Walmart won’t cash it.
What is a Walmart Money Center?
A Walmart Money Center is a department of Walmart stores that offers financial services such as compiling money orders, wire transfers, Coinstar machines, reloading Netspend Visa debit cards, Walmart Pay, prepaid debit cards, check printing, international money transfer, tax preparation services, Walmart gift card sales and bill payment.
The Walmart Money Center is a convenient place to do your banking (not just cash your personal checks) because it offers many financial services under one roof. You can also earn cash back when you shop at Walmart with your Walmart Money Card
What are the opening hours of Walmart Money centers?
The Walmart Monetary Center is open Monday through Saturday from 7 a.m. to 11 p.m. and Sundays from 9 a.m. to 9 p.m.
How to cash a MoneyGram money order from Walmart?
Walmart is one of many places where you can cash a MoneyGram money order. To cash a money order at Walmart:
- First, bring a valid ID to the store.
- Then, before closing, go to the Walmart Money Center counter and hand the money order to an employee.
- Ask them to charge for it and give them all the additional information they need
- You will receive the money order in cash once the transaction is completed.
You can buy money orders at Walmart for a fee of $0.70 to $1.00. The maximum amount you can purchase is $1,000 with a debit card or cash.
Can I cash my Walmart incentive check?
Walmart is one of the best-known stores that accepts the incentive check. The incentive check is a refund check issued by the Foreign Affairs Agency to a taxpayer. It is a government check that is generally considered safe.
Most banks are waiving fees on stimulus checks. So depositing them into your account is the most convenient option.
Walmart is an alternative to collecting the stimulus check if you don’t have a bank account. Unfortunately, in addition to people who are defined as “unbanked
Walmart will collect a refund or stimulus check of up to $5,000. The rate for a stimulus check of up to $1,000 is $4, and for checks over $1,000 it is $8. You can receive your stimulus or cash rebate money or load it onto your Walmart MoneyCard.
How to get a Walmart MoneyCard?
The Walmart MoneyCard is a prepaid Mastercard or Visa card that can be used anywhere a Visa or Mastercard is accepted. Additionally, the card can be reloaded with cash, checks, or money orders at any Walmart store.
The initial cost to purchase a Walmart MoneyCard is $1 and you can request it in the store. Once approved, you can use it immediately. The reload fee is free if you reload through in-store check cashing, but there is a 3…
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