What Time Does Walmart Stop Cashing Checks?

What Time Does Walmart Stop Cashing Checks?

Walmart prides itself in providing a wide array of goods and services that you may need at any one point. Financial services are yet another perk of shopping at Walmart. You don’t need to head to your bank to cash your checks if you are already at Walmart. If there is a MoneyCenter at the store, you can get your cash there hassle-free.

Walmart check cashing hours are from 8 am to 8 pm on Monday through to Saturday. On Sundays, you can cash your check anywhere between 10 am and 6 pm. This is a convenient service without which many shoppers would be forced to endure unnecessary queuing and waiting at the bank sometimes for small amounts of cash. 

Many Americans who do not have a bank account for one reason or the other can cash payroll checks at Walmart provided their checks do not exceed the stated amounts. Walmart is the only place that cashes payroll checks and this is a huge advantage for many young and transient people and another reason Walmart is a consumer favorite.

There are, however, a few facts you should know about Walmart’s check-cashing services as well as other financial services before you present your check. Below are some answers to queries you might have.

What is the Highest Amount you can cash at Walmart?

As long as you do not exceed USD 5000, you can cash your check and get your money immediately. During tax refund season, this limit can go up to $ 7,500. Two-party personal checks are limited to $ 200.

You can cash a maximum of three checks in a day. 

What documents are required to cash a check at Walmart?

You only need your check and a valid ID. The first time you cash a check, you will also need to present your Social Security number to verify your identity. For subsequent checks, you will only need your valid ID to cash your check.

What is the cost of cashing a check?

In line with Walmart’s policy to provide affordable goods and services to its customers, cashing a check is just as cheap. It will cost less than $4 to cash a check less than $1,000. Cashing a check worth between $1,001 and $ 5,000 will attract a fee not exceeding $ 8.

Which specific cheques can you cash at Walmart?

A number of checks can be cashed at a Walmart MoneyCenter. They are

  • Government checks
  • Payroll checks
  • Tax checks
  • Pre-printed checks
  • Cashiers’ checks
  • Retirement disbursement checks
  • Insurance settlement checks
  • MoneyGram money orders
  • Two-Party personal checks

Are there checks that cannot be cashed at Walmart?

There are a number of checks that you cannot cash at Walmart’s and you will have to use your banking provider to retrieve the cash. They include:

  • Hand-written checks
  • Money orders from any other provider other than MoneyGram
  • MoneyGram orders not issued at a Walmart store
  • Post-dated checks
  • Expired checks
  • Checks with multiple payees

Can checks be declined at Walmart?

Yes. There are a number of reasons that would cause your check to get declined.

  • You may have insufficient funds
  • The type of check you have is not accepted under their policy
  • The check is for more than the maximum amount stipulated
  • The check did not pass the electronic verification process
  • You do not have a valid ID
  • Your ID is expired
  • You have already cashed three checks within the last 24 hours
  • Wrong details, for instance, the numerical amount does not match the written figure. (This error is surprisingly quite common)
  • Naming discrepancies on the check and the ID, such as ‘David Smith’ on the ID and ‘Dr. David Smith’ on the check. 
  • Cashing a check that’s not made out to you.
  • The check is made out to non-human entities such as a company or pharmacy.

This list does not cover all the reasons your check could be declined. To get the issue sorted, consult their customer care. Most issues with checks resolve within days if not hours.

How does Walmart verify checks?

Walmart like any other provider outsources or employs financial tech companies to verify checks electronically. The checks are put through rigorous examination to verify your identity and also to collate data that provides further information including whether your transaction is suspicious or fraudulent.

Although the process only takes a moment, it is quite thorough. Through companies such as TeleCheck and Certegy, Walmart is able to accurately verify personal information recommending that your check gets accepted and funds disbursed. 

What other financial services does Walmart offer?

Despite not being a financial services provider, Walmart offers a huge platter of financial services. These services offer even more convenience to customers who want to execute as many errands as possible at a single location. 

Additionally with over 10,500 stores all over the globe and MoneyCentres in most if not all of them their financial services platform is definitely a significant profit-generating engine for Walmart.

Mobile money services that allow you to perform a good number of your banking on your phone or computer are a Walmart staple and have almost completely taken over most if not all banking services traditionally offered on the banking floor.

Apart from check cashing, some of the other financial services you can get at a Walmart MoneyCenter include:

  • Walmart Credit Card
  • Walmart Money Card
  • Domestic money transfer
  • International money transfer
  • Walmart gift cards
  • Money orders
  • Paypal
  • Installment financing
  • Walmart Pay
  • Express money services
  • Check printing
  • Tax prep services
  • Coinstar

You will not find a more versatile wholesome experience as a customer than is possible with Walmart. At any Walmart near you, you will find a staggering array of both goods and services at the most friendly prices available in the country.


Policies on checks and any other financial services may vary from store to store and from state to state to state so preferably, visit the website for specifics on this and any other information. Alternatively, consult their customer care desk in person or call their customer support offices for more information.

Vince Dooley

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