Walmart Money Services and Check Cashing

Ben Steele
The exterior of a Walmart shopping center during the daytime.

Walmart can be a viable alternative to banks or other financial institutions for check cashing and other money services. You may use Walmart to cash a check for a variety of reasons, such as convenience, your check is close to expiration, or if you have received a check but don’t have a bank account. 

Walmart’s check-cashing fee, which is between $4 and $8 per check, can be steep for smaller checks. However, if banking services are unavailable or you’re dealing with a larger amount, Walmart check cashing can be a great solution. 

Remember that the requirements for cashing a check are the same at Walmart as they are everywhere; you’ll need to endorse the check with your signature and provide photo I.D.

If it is your first time cashing a check a Walmart you may be asked to provide your social security number to confirm your identity. Once your information is entered into the check cashing system you will no longer need to provide your social security number for future transactions.

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How to Cash a Check at Walmart 

Currently, Walmart only offers in-store check-cashing services. You can take your endorsed check and I.D. to any cashier, or to the MoneyCenter service desk. At this time, you will have to pay the associated fee either with cash or a debit card before the check can be cashed. 

Walmart Check-Cashing Fees

Walmart check-cashing fees include:

  • $4 for checks up to $1,000;
  • $6 for two-party personal checks up to $200;
  • $8 for checks above $1,000.

Walmart also has check-cashing limits that change depending on the time of year. 

  • From January to April, you can cash checks up to $7,500
  • From May to December, the check-cashing limit is $5,000

If you have a bank account, it’s likely that cashing a check with your bank will be cheaper than using Walmart. Walmart’s hours and accessibility make it a good option for those who work during banking hours, don’t have a branch near them, or don’t have a bank account. 

How to Cash a Walmart Money Order

You can cash money orders at Walmart, however, they are limited specifically to MoneyGram money orders and checking fees may apply. You can purchase up to a $1,000 MoneyGram money order from Walmart with cash or your debit card at the MoneyCenter or Customer Service desks. Money-order fees at Walmart are listed at $0.88 per order, but exact fees can vary by location. 

What Kind of Checks Does Walmart Cash?

Walmart’s MoneyCenter site lists all the eligible checks they cash at their MoneyCenter. These checks include:

  • Pre-printed checks;
  • Payroll checks;
  • Government checks;
  • Tax checks;
  • Cashiers’ checks;
  • Insurance settlement checks;
  • 401(k) or retirement disbursement checks;
  • MoneyGram money orders;
  • Two-party personal checks.

It’s important to note that two-party personal checks are the only type of personal checks you can cash at Walmart.

Walmart will not cash the following types of checks:

  • Handwritten checks;
  • Checks with multiple payees;
  • Checks dated more than 180 days prior;
  • Post-dated checks;
  • Non-MoneyGram money orders;
  • MoneyGram money orders not issued at Walmart;

Walmart Check Ordering

Walmart also offers check ordering services through its MoneyCenter. In order to order checks from Walmart, you will need your bank account details, including the account and routing number, as well as the number you want the checks to start with. 

You can order both personal and business checks through, and you can order between 150 and 600 checks at a time. You can choose custom designs for these checks, including business logos or personal pictures. Checks can cost somewhere between $8 and $50 dollars per order depending on the style, check type, and amount. 

Other Services Offered by the Walmart Money Center

The Walmart money center offers more helpful services outside of checking. Customers can also transfer money and pay bills, both online and in-store. These services are a great option for convenience, accommodating schedules, and time-sensitive matters. 

Walmart Money Transfer

There are two ways that you can transfer money through Walmart — either through MoneyGram or through Walmart2Walmart Powered by Ria. With MoneyGram, you can transfer money from one online account to another using the MoneyGram portal or the Walmart app

With Walmart2Walmart Powered by Ria, you can transfer money from one Walmart location, to be picked up at another Walmart location.

Both MoneyGram and Walmart2Walmart Powered by Ria offer domestic and international transfers. MoneyGram offers transfers for over 200 countries and territories, while Walmart2Walmart Powered by Ria accommodates in-store pickup, direct-to-bank-account, direct-to-mobile-wallet, and at-home delivery transfers for 165 participating countries. 

Fees for MoneyGram transfers are:

  • $11.50 for domestic transfers between $50 and $900, and 2% of the amount for transfers above $900.
  • $4 for international transfers, not including exchange rate fees. 

Fees for Walmart2Walmart Powered by Ria are:

  • $4 for domestic transfers.
  • $4 for international transfers, not including exchange rate fees.  

Walmart Bill Pay

Bill pay is another service offered by the Walmart money center. Customers can pay a wide variety of bills, both online, in the app, and in-store. Types of accounts that Walmart’s bill pay can accommodate include:

  • Auto.
  • Cable.
  • Credit card.
  • Electric.
  • Gas.
  • Insurance.
  • Loans.
  • Mortgage.
  • Healthcare.
  • Citations and tickets.
  • Taxes.
  • Phone.
  • Rent.
  • Utilities.

In order to register an account with Walmart bill pay, you will need the company name and account number. You can pay with cash at the Walmart money services desk, or with a credit or debit card through the money services online portal. 

Walmart Money Center and Check-Cashing Hours

You can cash a check with a Walmart cashier during any hours that the store is open. You can use the store finder to check your local store hours. For other money services, Walmart MoneyCenters are typically open from: 

  • 8 a.m. to 8 p.m. Monday through Saturday;
  • 10 a.m. to 6 p.m. on Sundays. 

Check with your local store to confirm these hours.

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