For those who get paid by check and may not have a bank account, a question that often comes up is, “Does Walmart cash checks?” The answer is, “Yes.” While many may not be aware of it, one of the extra conveniences Walmart offers shoppers is their in-store check cashing options. Walmart gives its customers the freedom to cash a check during their shopping trip without ever having to leave the store. This convenience will save customers an extra trip to the bank (or give them a much less costly option than a check cashing business if they don’t have a bank account) if they are so inclined to use it.
Walmart does have some stipulations on check cashing, however, and it is always a good idea to call your local store to find out the specific policy of that particular location. For check cashing at Walmart, there is a maximum cash limit of $5000. Walmart also charges a $3 fee for checks up to and including $1000, and there is a $6 charge for checks over $1000 and up to and including $5000. Check cashing is only done on pre-printed checks. Checks are cashed only upon approval, and each check is subject to Walmart’s authorization. Some types of checks that Walmart cashes are payroll checks, government checks, tax checks, cashier’s checks, insurance settlement checks, 401K retirement disbursement checks, and Money Gram money orders which were previously purchased at Walmart stores.
For check cashing, there is no registration required. Customers can get their cash immediately, and checks may be cashed at any checkout lane. Checks may be traditionally cashed, or the money amount may be put onto a Walmart Money Card. There are a number of types of Money Cards. The cards may be used like a credit card up to the monetary amount which is loaded onto the card. The types of Money Cards offered are Basic, Plus, Specialty, and Preferred. Each card has a different service fee, and may be re-loaded. All card options charge a $3 re-loading fee except for the Preferred card, which offers no fee to re-load.
Walmart also offers a Walmart MasterCard credit card (based upon approval). One of the perks of the credit card is the ability to earn $5 for every $500 spent. The card charges no annual fee, cardholders can earn gas discounts, and fraud protection is offered by an EMV chip which is installed onto the card.
Walmart shoppers can also take advantage of check printing, money transfers, auto insurance, bill pay, and money order purchases. Walmart also has a program called Bluebird, which is an alternative to traditional banking. Bluebird has flexible features, including direct deposit, online bill pay, mobile bill pay, and mobile check deposit.
With a variety of check cashing options and various forms of money management services, Walmart definitely offers its customers one-stop shopping convenience. Most Walmart customers are more than likely unaware of all of the financial options available at their local Walmart stores. Walmart shoppers are sure to enjoy the convenience of being able to take care of their financial matters at the place where they are already shopping.
Does Walmart Cash Checks on Sunday?
Yes, Walmart cashes checks on Sunday. Since many banks are closed on Sundays (with a few exceptions), Walmart can be a good option if you need a checked cashed on a Sunday.
Does Walmart Cash Checks on Holidays?
Yes, Walmart cashes checks on most holidays. Since Walmart is open every day of the year except Christmas Day, you can cash a check there when banks and other financial institutions are closed. You can cash checks on holidays such as New Year’s Day, Martin Luther King Jr. Birthday, Valentine’s Day, President’s Day, Easter, Mother’s Day, Memorial Day, 4th of July, Labor Day, Columbus Day, Halloween, Veteran’s Day, Thanksgiving Day, and Christmas Eve.
Does Walmart Cash Personal Checks?
No, Walmart doesn’t cash personal checks. While Walmart does cash checks from business sources such as payroll, government, tax, cashier’s, and insurance settlement, 401K retirement disbursement checks, Walmart doesn’t cash personal checks.
Does Walmart Cash Third-Party Checks?
No, Walmart doesn’t cash third-party checks. If you have a third-party check you need to be cashed, you’ll have to find a place other than Walmart, as they won’t cash third-party checks at their stores.
(Photo courtesy of Walmart)