Walmart Check-Cashing Policy
Walmart’s check-cashing policies and what you need to do to get your check changed are outlined in the following sections. In addition, Walmart provides payday check cashing policy – money center money card with hours open seven days a week.
What Types of Checks Can Walmart Change?
Walmarts provide different check-to-cash services.
Check type includes:
Payroll
Stimulus
Tax refunds
Government
Insurance settlement
Business
Preprinted
Two-party personal
401(k) or retirement distributions
Out-of-state
It’s worth noting that out-of-state checks are treated like in-state checks at Walmart; so go to whichever of their stores close to you.
What Types of Checks Do Walmart Accept
Many people want to know about Walmart’s check cashing service. You can’t use handwritten checks at Walmart, and some other kinds of payment. A credit union or bank may be a better alternative if you’re unable to convert a check written in someone else’s name.
Other checks that Walmart does not accept for check cashing are:
Third-party checks
Non-endorsed checks
Post-dated checks
Personal checks made out to “Cash”
Stale-dated checks over 180 days old
Starter checks
Two-party personal checks over $200
Personal, blank, pre-printed, and temporary checks
What Is Walmart’s System For Changing A Check?
If you need to change a check outside of regular banking hours or do not have access to your banks, try Walmart. Ensure that you sign the check and go along with your government-issued ID to verify your identity. Check-to-cash at Walmart is a service that requires customers to provide their social security number for identity verification. This is the first time and you won’t need to do it again. The Money Centers are the only viable places for you to change your checks at Walmart. Take all the requirements and the check along with you. Once your ID has been approved, the cashier will start the transaction.
You’ll then have to pay a fee for the processing of the transaction. You can always pay your transaction charges, by debit card, money, or with a cheque. Then, everything is in your hands! You can decide if you want your check cashed or reload your Walmart Money Card.
Fees And Limitations Imposed By Walmart On Check-Cashing
There are a few changes to the amount you’re allowed to change at Walmart. From May to December, a single check can not exceed $5,000.However, in January and February, this maximum is doubled to $7,500 since customers submit larger tax return checks.
Furthermore, the number of checks that are less than $5,000 that can be cashed every day is capped at three. To convert a check at Walmart, customers must pay a fee of $4 for checks under $1,000 and $8 for checks between $1,000 and $5,000.
Does Walmart Check-Cashing Require Me to Have a Bank Account of My Own?
No, to get your check converted at Walmart, does not necessitate the need for an account. You just ensure you have the necessary documents to do so. They will verify the check’s authenticity and take care of the rest.
Conclusion
Customers can change checks at Walmart just like they would at a bank, and the money is in their hands immediately. For a little charge, of course, Walmart cashes checks for their customer. Although Walmart does accept checks, you must verify who you are so that they will change your check and what kind of check you have before they can accept it. Walmart MoneyCards can be used to transfer the funds from a deposited cheque. If you purchase your card online, there is no issuance cost. It’s even better if you’re using a money card because the reload fee is waived!
Is it possible to change a check at Walmart without an ID?
Walmart will not accept your check unless you have a valid means of ID a government-issued one. The document in question could be anything from a passport to a state/military ID to a driver’s license.
Does Walmart convert checks at a specific time?
Saturday and Sunday are the only days Walmart is open for check-cashing, from 8 am to 8 pm on weekdays and from noon to 8 pm on Saturdays and Sundays (10 a.m to 6 p.m). Alternatively, you can look up the time of day and location of a Walmart Money Center near you on the company’s website.
