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Looking to cash a check at Walmart? You'll find everything you need to know about Walmart's check cashing services, including fees, limits, and requirements.
Does Walmart Cash Checks? Complete Guide [2024 Fees & Limits]
Walmart offers convenient check cashing services at over 4,700 locations nationwide with competitive fees starting at just $4.
Quick Answer: Does Walmart Cash Checks?
Yes, Walmart cashes checks at most locations through their Money Services center. They accept various types of checks including payroll, government, tax refund, and insurance settlement checks. The service is available during store hours, with fees ranging from $4 to $8 depending on the check amount.
Types of Checks Walmart Cashes
Walmart accepts the following types of checks:
- Payroll checks
- Government checks
- Tax refund checks
- Insurance settlement checks
- 401(k) or retirement account disbursement checks
- MoneyGram money orders purchased at Walmart
Walmart Check Cashing Fees and Limits
Here are the current fees for cashing checks at Walmart:
- $4 fee for checks up to $1,000
- $8 fee for checks over $1,000 up to $5,000
- Maximum check amount: $5,000 ($7,500 from January to April for tax season)
- Two-Party personal checks limited to $200, with a max fee of $6
Requirements to Cash a Check at Walmart
To cash a check at Walmart, you'll need:
- Valid government-issued photo ID
- The physical check to be cashed
- Social Security number or Tax ID
Alternatives to Walmart Check Cashing
While Walmart offers competitive rates, here are some alternatives to consider:
1. Chase Bank
Free check cashing for Chase account holders. Non-customers can cash checks from Chase-issued checks for a $8 fee.
2. PayPal Check Cashing
Cash checks directly through the PayPal app. Fees start at 1% for payroll and government checks with immediate availability.
3. Green Dot @ the Register
Available at many retailers, including some Walmart locations. Fees vary but typically range from 1-3% of the check amount.
For more check cashing options, check out our guides on grocery stores that cash checks and 24-hour check cashing locations.
Final Words
Walmart's check cashing service offers a convenient and relatively affordable option for those who need to cash checks without a bank account. With transparent fees, widespread availability, and acceptance of multiple check types, it's a solid choice for many people. However, it's worth comparing with other options like free check cashing services to find the best deal for your situation.
Frequently Asked Questions About Walmart Check Cashing
What time does Walmart's check cashing service open?
Walmart's check cashing services are available during regular store hours, typically 8 AM to 10 PM at most locations. However, some 24-hour Walmart stores offer check cashing services around the clock.
Does Walmart cash personal checks?
Walmart only cashes two-party personal checks up to $200, with a maximum fee of $6. They do not cash personal checks written from one individual to another.
Can you cash a check at Walmart without ID?
No, you cannot cash a check at Walmart without a valid government-issued photo ID. This is a mandatory requirement for their check cashing service to prevent fraud and comply with federal regulations.
